# EDGAR Filing Document

**Accession Number:** 0002058366
**File Stem:** 0001104659-25-057206
**Filing Date:** 2025-6
**Character Count:** 4125006
**Document Hash:** 6b4c24792f95cb25234a0310c194589c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-057206.hdr.sgml**: 20250606

**ACCESSION NUMBER**: 0001104659-25-057206

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

**PUBLIC DOCUMENT COUNT**: 33

**CONFORMED PERIOD OF REPORT**: 20250606

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

**FILED AS OF DATE**: 20250606

**DATE AS OF CHANGE**: 20250606

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Santander Bank, N.A.
- **CENTRAL INDEX KEY:** 0002058366

**ORGANIZATION NAME:**
- **EIN:** 231237295
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07592
- **FILM NUMBER:** 251029971

**BUSINESS ADDRESS:**
- **STREET 1:** 75 STATE STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02109
- **BUSINESS PHONE:** 646-776-7825

**MAIL ADDRESS:**
- **STREET 1:** 75 STATE STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02109
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Santander Bank, N.A.
- **CENTRAL INDEX KEY:** 0002058366

**ORGANIZATION NAME:**
- **EIN:** 231237295
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 75 STATE STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02109
- **BUSINESS PHONE:** 646-776-7825

**MAIL ADDRESS:**
- **STREET 1:** 75 STATE STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02109
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Santander Bank, N.A.
- **CENTRAL INDEX KEY:** 0002058366

**ORGANIZATION NAME:**
- **EIN:** 231237295
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07592

**BUSINESS ADDRESS:**
- **STREET 1:** 75 STATE STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02109
- **BUSINESS PHONE:** 646-776-7825

**MAIL ADDRESS:**
- **STREET 1:** 75 STATE STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02109

**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**

**<u>Santander Bank, N.A.</u>**<sup>1</sup>**

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: _____________________

_________________________________________________________________<br> Name and telephone number, including area code, of the person to<br> 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)(1) ◻

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 securitizer: | 0002058366 |
| Santander Bank, N.A. | |
| (Exact name of securitizer as specified in its charter) | (Exact name of securitizer as specified in its charter) |
| Commission File Number of securitizer: | |

---

Efe Birkan, (646) 776-7825

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

**INFORMATION TO BE INCLUDED IN THE REPORT**

**<sup>1</sup> Santander Bank, N.A., as securitizer, is filing this Form ABS-15G in respect of issuances of asset-backed securities by the following issuer (under Rule 144A of the Securities Act of 1933, as amended from time to time): Santander Mortgage Asset Receivable Trust 2025-NQM3**

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

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

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

The reports attached to this Form ABS-15G include 22 mortgage loans, with an aggregate original principal balance of $11,698,325.00 that will not be included in the transaction.

**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.

---

| | | |
|:---|:---|:---|
|  | SANTANDER BANK, N.A. | SANTANDER BANK, N.A. |
| Date: June 6, 2025 |  |  |
|  | By: | /s/ Christopher Tkac |
|  |  | Name: Christopher Tkac |
|  |  | Title: Senior Vice President |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[<u>Exhibit 99.1</u> Third Party Due Diligence Report – SitusAMC Narrative](tm2517341d1_ex99-1.htm)

Schedule 1 – Rating Agency Grades Report

Schedule 2 – Exception Grades Report

Schedule 3 – Valuation Summary Report

Schedule 4 – Supplemental Data Report

Schedule 5 – Business Purpose Report

[<u>Exhibit 99.2</u> Third Party Due Diligence Report – Selene Narrative](tm2517341d1_ex99-2.htm)

Schedule 1 – Rating Agency Grades Summary Report

Schedule 2 – Standard Filings Report

Schedule 3 – Valuation Report

Schedule 4 – MLS Report

Schedule 5 – Supplemental Data Extract Report

Schedule 6 – Business Purpose Supplement Extract Report

Schedule 7 – Data Compare Report

[<u>Exhibit 99.3</u> Third Party Due Diligence Report – Consolidated Analytics Narrative](tm2517341d1_ex99-3.htm)

Schedule 1 – Due Diligence Standard Report

Schedule 2 – Supplemental Report

Schedule 3 – Rating Agency Grades Summary Report

Schedule 4 – CA Valuations Report

Schedule 5 – Data Compare Report

[<u>Exhibit 99.4</u> Third Party Due Diligence Report – Evolve Narrative](tm2517341d1_ex99-4.htm)

Schedule 1 – RA Grades Report

Schedule 2 – Exception Detail Report

Schedule 3 – Valuation Report

Schedule 4 – Data Compare Report

Schedule 5 – QM ATR Data Report

Schedule 6 – Business Purpose Report

[<u>Exhibit 99.5</u> Third Party Due Diligence Report – Clarifii Narrative](tm2517341d1_ex99-5.htm)

Schedule 1 – ATR OR QM Report

Schedule 2 – Business Purpose Supplement Extract Report

Schedule 3 – Data Compare Report

Schedule 4 – Rating Agency Grades Detail Report

Schedule 5 – Rating Agency Grades Summary Report

Schedule 6 – Supplemental Data Extract Report

Schedule 7 – Valuation Report

[<u>Exhibit 99.6</u> Third Party Due Diligence Report – Clayton Narrative](tm2517341d1_ex99-6.htm)

Schedule 1 – Conditions Summary Report

Schedule 2 – Conditions Detail Report

Schedule 3 – Loan Grades Report

Schedule 4 – Loan Level Tape Compare Report

Schedule 5 – Non ATR QM Report

Schedule 6 – Rating Agency ATR QM Report

Schedule 7 – Standard Upload Report

Schedule 8 – Valuations Summary Report

[<u>Exhibit 99.7</u> Third Party Due Diligence Report – CRES Executive Summary](tm2517341d1_ex99-7.htm)

Schedule 1 – Business Purpose Supplement Report

Schedule 2 – Grades Report

Schedule 3 – Valuation Report

Schedule 4 – Exceptions Report

Schedule 5 – ATR QM Report

Schedule 6 – Tape Compare Report

[<u>Exhibit 99.8</u> Third Party Due Diligence Report – Canopy Narrative](tm2517341d1_ex99-8.htm)

Schedule 1 – Supplemental Data Extract Report

Schedule 2 – Business Purpose Supplement Report

Schedule 3 – Rating Agency Grades Detail Report

Schedule 4 – Rating Agency Grades Summary Report

Schedule 5 – Valuation Report

Schedule 6 – ATR OR QM Report

[<u>Exhibit 99.9</u> Third Party Due Diligence Report – Maxwell Narrative](tm2517341d1_ex99-9.htm)

Schedule 1 – Standard Exceptions Report

Schedule 2 – Grading Report

Schedule 3 – Valuation Report

Schedule 4 – Supplemental Data Extract Report

[<u>Exhibit 99.10</u> Third Party Due Diligence Report – Incenter Narrative](tm2517341d1_ex99-10.htm)

Schedule 1 – Review Summary Report

Schedule 2 – Exception Report

Schedule 3 – Rating Agency Grades Report

Schedule 4 – Final Tape Compare Report

Schedule 5 – Supplemental Data Report

Schedule 6 – QM ATR Report

Schedule 7 – Valuation Summary Report

## Exhibit 99.1

**Exhibit 99.1**

**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 originated by multiple correspondent lenders and acquired directly via reliance letter by Santander or its affiliates (the "Client"). The Review, which includes reliance letter Loans where an initial review was performed for such party on Loans with origination dates from July 2024 through March 2025 via files imaged and provided by the Client for review.

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

The final population of the Review contained forty-six (46) Loans totaling an aggregate original principal balance of approximately $33.565 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).

**(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;Decision System | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Loan to Cost (LTC) | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original HLTV |  |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Interest Rate |  |

---

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.

![](tm2517341d1_ex99-1img02.jpg)

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

AMC reviewed 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.

**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.

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![](tm2517341d1_ex99-1img02.jpg)

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

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

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

**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.

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![](tm2517341d1_ex99-1img02.jpg)

▪ 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.

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.

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![](tm2517341d1_ex99-1img02.jpg)

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.

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> 

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

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iii) errors in the right of rescission notice;

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

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

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

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> 

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

ii) proper execution by all required parties;

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

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

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

i) failure to provide the applicable home equity initial and account opening disclosures; and <br> 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> 

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> 

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> 

i) APR threshold test; and <br> 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> 

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.

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

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

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

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

&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> 

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

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> 

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> 

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> 

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;

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;

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

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

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

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

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

i) confirm the presence of LE for applications on or after October 3, 2015; <br> ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

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

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

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> 

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

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

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

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

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> 

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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| | |
|:---|:---|
| 1.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), prior to 3/1/2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, |
| 2.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), on or after 3/1/2021, but before 10/1/2022, submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q), whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or |
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors. |

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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 to which the loan was originated. 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.).

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

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

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

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

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

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

i) timing and content of the right to receive a copy of the 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.

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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| |
|:---|
| Initial application (1003); |
| Underwriting summary / loan approval (1008); |
| Credit report; |
| Income and employment documentation; |
| 4506T; |
| Asset documentation; |
| Sales contract; |
| Hazard and/or flood insurance policies; |
| Copy of note for any junior liens; |
| Appraisal; |
| Title/Preliminary Title; |
| Final 1003; |
| Changed circumstance documentation; |
| Right of Rescission Disclosure; |
| Mortgage/Deed of Trust; |
| Note; |
| Mortgage Insurance; |
| Tangible Net Benefit Disclosure; |
| Subordination Agreement; |
| FACTA disclosures; |
| Notice of Special Flood Hazards; |
| Initial and final GFE's; |
| HUD from sale of previous residence; |
| Final HUD-1; |
| Initial TIL; |
| Final TIL; |
| Loan Estimates; |
| Closing Disclosures; and |
| Certain other disclosures related to the enumerated tests set forth herein. |

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**<u>(8) Other: review and methodology.</u>**

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

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**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**OVERALL REVIEW RESULTS SUMMARY**

There were forty-six (46) Loans reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria 35 (76.09%) had an Overall grade of "A" and 11 (23.91%) had an Overall grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;35 | &nbsp;&nbsp;76.09% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;23.91% |
| &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;**46** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Twenty-three (23) Loans are DSCR loans and did not have a compliance grade. After all documents were presented, under the applicable S&P NRSRO grading criteria, 20 (86.96%) had a Compliance grade of "A" and 3 (13.04%) had a Compliance grade of "B".

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![](tm2517341d1_ex99-1img02.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Compliance Loan Grades** | &nbsp;&nbsp;**S&P Compliance Loan Grades** | &nbsp;&nbsp;**S&P Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;20 | &nbsp;&nbsp;86.96% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;13.04% |
| &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;**23** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All forty-six (46) Loans (100%) reviewed received an "A" or "B" Credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;37 | &nbsp;&nbsp;80.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;19.57% |
| &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;**46** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All forty-six (46) 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<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;46 | &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;**46** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**S&P Final<br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***10*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**10** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**13** |

---

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![](tm2517341d1_ex99-1img02.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the forty-six (46) Loans reviewed, thirty-six (36) unique Loans had a total of two hundred eighty-six (286) different tape discrepancies across thirty-eight (38) data fields (some Loans had more than one data delta). The largest variances were found on Contract Sales Price and Note Date where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;12 | &nbsp;&nbsp;14 | &nbsp;&nbsp;85.71% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;11 | &nbsp;&nbsp;13 | &nbsp;&nbsp;84.62% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;13 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;5 | &nbsp;&nbsp;7 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;5 | &nbsp;&nbsp;13 | &nbsp;&nbsp;38.46% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;46 | &nbsp;&nbsp;19.57% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;4 | &nbsp;&nbsp;11 | &nbsp;&nbsp;36.36% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;13 | &nbsp;&nbsp;46 | &nbsp;&nbsp;28.26% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;7 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;17 | &nbsp;&nbsp;43 | &nbsp;&nbsp;39.53% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;45 | &nbsp;&nbsp;26.67% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;12 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;23 | &nbsp;&nbsp;13.04% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;7 | &nbsp;&nbsp;13 | &nbsp;&nbsp;53.85% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Loan to Cost (LTC) | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;46 |

---

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![](tm2517341d1_ex99-1img02.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;32 | &nbsp;&nbsp;3.13% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;12 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;16 | &nbsp;&nbsp;46 | &nbsp;&nbsp;34.78% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;46 | &nbsp;&nbsp;6.52% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;12 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;46 | &nbsp;&nbsp;2.17% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;12 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;45 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;13 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;13 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;46 | &nbsp;&nbsp;19.57% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;46 | &nbsp;&nbsp;4.35% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;2 | &nbsp;&nbsp;46 | &nbsp;&nbsp;4.35% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;15 | &nbsp;&nbsp;13.33% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;7 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;46 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**286** | &nbsp;&nbsp;**1263** | &nbsp;&nbsp;**22.64%** | &nbsp;&nbsp;**46** |

---

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;46 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$33565116.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**46** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33565116.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;46 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$33565116.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**46** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33565116.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;19 | &nbsp;&nbsp;41.30% | &nbsp;&nbsp;$9919950.00 | &nbsp;&nbsp;29.55% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;7 | &nbsp;&nbsp;15.22% | &nbsp;&nbsp;$6836716.00 | &nbsp;&nbsp;20.37% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;16 | &nbsp;&nbsp;34.78% | &nbsp;&nbsp;$12313450.00 | &nbsp;&nbsp;36.69% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;4 | &nbsp;&nbsp;8.70% | &nbsp;&nbsp;$4495000.00 | &nbsp;&nbsp;13.39% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**46** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33565116.00** | &nbsp;&nbsp;**100.00%** |

---

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![](tm2517341d1_ex99-1img02.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;44 | &nbsp;&nbsp;95.65% | &nbsp;&nbsp;$31402616.00 | &nbsp;&nbsp;93.56% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.35% | &nbsp;&nbsp;$2162500.00 | &nbsp;&nbsp;6.44% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**46** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33565116.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;26 | &nbsp;&nbsp;56.52% | &nbsp;&nbsp;$16073920.00 | &nbsp;&nbsp;47.89% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;3 | &nbsp;&nbsp;6.52% | &nbsp;&nbsp;$4170400.00 | &nbsp;&nbsp;12.42% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;6 | &nbsp;&nbsp;13.04% | &nbsp;&nbsp;$4936316.00 | &nbsp;&nbsp;14.71% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.17% | &nbsp;&nbsp;$104000.00 | &nbsp;&nbsp;0.31% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;5 | &nbsp;&nbsp;10.87% | &nbsp;&nbsp;$2071300.00 | &nbsp;&nbsp;6.17% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.35% | &nbsp;&nbsp;$3622680.00 | &nbsp;&nbsp;10.79% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;6.52% | &nbsp;&nbsp;$2586500.00 | &nbsp;&nbsp;7.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**46** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33565116.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;18 | &nbsp;&nbsp;39.13% | &nbsp;&nbsp;$20197721.00 | &nbsp;&nbsp;60.17% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;25 | &nbsp;&nbsp;54.35% | &nbsp;&nbsp;$10743145.00 | &nbsp;&nbsp;32.01% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;6.52% | &nbsp;&nbsp;$2624250.00 | &nbsp;&nbsp;7.82% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**46** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33565116.00** | &nbsp;&nbsp;**100.00%** |

---

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![](tm2517341d1_ex99-1img001.jpg)

**Rating Agency Grades**

**Run Date - 6/5/2025 10:55:09 AM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 222613131 | 1052774487 | 1052774487 |  |  | B | A | C | C | A | A | A | A |  |
| 222663192 | 1052831849 | 1052831849 |  |  | A | C | A | C | A | B | A | B |  |
| 222663255 | 240923602 | 240923602 |  |  | B |  | A | B | B |  | A | B |  |
| 222979896 | 241225707 | 241225707 |  |  | A |  | A | A | A |  | A | A |  |
| 222979897 | 241225737 | 241225737 |  |  | C |  | A | C | A |  | A | A |  |
| 222979898 | 241225761 | 241225761 |  |  | A |  | A | A | A |  | A | A |  |
| 222979899 | 1052871220 | 1052871220 |  |  | C |  | A | C | B |  | A | B |  |
| 222979900 | 1052871276 | 1052871276 |  |  | C |  | A | C | A |  | A | A |  |
| 222979901 | 1052866392 | 1052866392 |  |  | A |  | A | A | A |  | A | A |  |
| 222979909 | 240923511 | 240923511 |  |  | A | C | A | C | A | A | A | A |  |
| 222979910 | 241225795 | 241225795 |  |  | C | C | A | C | A | A | A | A |  |
| 222979911 | 1052873139 | 1052873139 |  |  | A | A | A | A | A | A | A | A |  |
| 222979912 | 241225551 | 241225551 |  |  | C | C | A | C | A | A | A | A |  |
| 222979913 | 1052872767 | 1052872767 |  |  | A | C | A | C | A | A | A | A |  |
| 222979914 | 241024786 | 241024786 |  |  | B | C | A | C | B | A | A | B |  |
| 222979915 | 241226039 | 241226039 |  |  | A | A | A | A | A | A | A | A |  |
| 222979916 | 241225876 | 241225876 |  |  | A | A | A | A | A | A | A | A |  |
| 222979917 | 240923873 | 240923873 |  |  | A | C | A | C | B | A | A | B |  |
| 223089477 | 1052883974 | 1052883974 |  |  | A | A | A | A | A | A | A | A |  |
| 223283412 | 250126072 | 250126072 |  |  | B |  | A | B | B |  | A | B |  |
| 223283413 | 241225941 | 241225941 |  |  | A |  | A | A | A |  | A | A |  |
| 223283414 | 250126429 | 250126429 |  |  | D |  | A | D | A |  | A | A |  |
| 223283416 | 241225893 | 241225893 |  |  | A |  | A | A | A |  | A | A |  |
| 223283417 | 241225517 | 241225517 |  |  | A |  | A | A | A |  | A | A |  |
| 223283418 | 241125466 | 241125466 |  |  | A |  | A | A | A |  | A | A |  |
| 223283420 | 250126497 | 250126497 |  |  | C |  | A | C | A |  | A | A |  |
| 223283421 | 250226737 | 250226737 |  |  | B |  | A | B | B |  | A | B |  |
| 223283422 | 250126681 | 250126681 |  |  | A |  | A | A | A |  | A | A |  |
| 223283425 | 250226698 | 250226698 |  |  | A |  | A | A | A |  | A | A |  |
| 223283429 | 250226981 | 250226981 |  |  | A |  | A | A | A |  | A | A |  |
| 223283430 | 241225719 | 241225719 |  |  | A |  | A | A | A |  | A | A |  |
| 223283431 | 1052883944 | 1052883944 |  |  | C |  | A | C | B |  | A | B |  |
| 223283432 | 1052884008 | 1052884008 |  |  | A |  | A | A | A |  | A | A |  |
| 223283433 | 1052924524 | 1052924524 |  |  | A |  | A | A | A |  | A | A |  |
| 223283435 | 1052894361 | 1052894361 |  |  | C | C | A | C | B | B | A | B |  |
| 223283436 | 1052883490 | 1052883490 |  |  | C | C | A | C | A | A | A | A |  |
| 223283438 | 250126162 | 250126162 |  |  | C | C | A | C | A | B | A | B |  |
| 223283439 | 250126297 | 250126297 |  |  | C | A | A | C | A | A | A | A |  |
| 223283441 | 250226743 | 250226743 |  |  | A | A | A | A | A | A | A | A |  |
| 223283442 | 250226720 | 250226720 |  |  | B | B | A | B | B | A | A | B |  |
| 223283446 | 250126679 | 250126679 |  |  | A | A | A | A | A | A | A | A |  |
| 223283447 | 250226931 | 250226931 |  |  | A | A | A | A | A | A | A | A |  |
| 223283449 | 250126648 | 250126648 |  |  | A | A | A | A | A | A | A | A |  |
| 223283453 | 250227212 | 250227212 |  |  | A | A | A | A | A | A | A | A |  |
| 223283456 | 250126220 | 250126220 |  |  | A | A | A | A | A | A | A | A |  |
| 223456769 | 1052753061 | 1052753061 |  |  | C |  | A | C | A |  | A | A |  |

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![](tm2517341d1_ex99-1img001.jpg)

**Exception Grades**

**Run Date - 6/5/2025 10:55:09 AM**

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 222613131 | 1052774487 | 1052774487 |  | 32430089 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted]or [redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Escrow Instructions do not provide the Title Policy Amount required. |  |  |  | Reviewer Comment (2024-09-09): Final Title policy Received. Exception cleared<br>Buyer Comment (2024-09-06): title | 09/09/2024 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 222613131 | 1052774487 | 1052774487 |  | 32430088 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2024-09-09): Final Title policy Received. Exception cleared | 09/09/2024 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 222613131 | 1052774487 | 1052774487 |  | 32430091 |  | Property | Valuation | Valuation Issue | Valuation | [redacted] program guidelines require a CDA (Desk Review) |  | At Underwriter's discretion, the seller may order an appraisal desk review product from a vendor listed on the Approved Appraisal Desk Review Vendors. Please clarify if this would be required. |  |  |  | Reviewer Comment (2024-09-03): CDA not required. | 09/03/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
| 222663192 | 1052831849 | 1052831849 |  | 32499920 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate |  |  |  | Reviewer Comment (2024-11-04): Itemization of title fees provided<br>Seller Comment (2024-11-01): Lender Certification<br> [redacted] Lender Cert.pdf (Unclassified) was uploaded<br>Reviewer Comment (2024-10-31): [redacted] received rebuttal on lender calculations. [redacted]does not include Document Preparation fees into finance charges. Regarding the Title-Departmentals/Title $[redacted], [redacted]is unable to determine what services and purpose the Title-Departmentals/Title represents to determine if a finance charge. Please provide a lender attestation giving the specific purpose and services included in this fee in order to determine if finance charge for testing.<br>Seller Comment (2024-10-30): the reviewer are not including the lender paid doc prep ($[redacted]) in their finance charge but are adding in full departs and title searches ([redacted]) which are not APR. That would make up the cited $[redacted]difference. <br>$[redacted] Doc Prep if paid to Lender is an APR fee<br> $redacted Title Searches are not APR fees<br> redacted Mavent TILA.pdf (Compliance Testing) was referenced | 11/04/2024 |  |  | 1 C A |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| 222663192 | 1052831849 | 1052831849 |  | 32499921 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance charge disclosed on Final Closing Disclosure as $[redacted] Calculated Finance Charge is $[redacted] for an over disclosed amount of $[redacted] Reason for Finance Charge over disclosure is unknown |  |  |  | Reviewer Comment (2024-11-04): Itemization of title fees provided<br>Seller Comment (2024-11-01): [redacted] Lender Cert.pdf (Unclassified) was referenced<br>Reviewer Comment (2024-10-31): [redacted] received rebuttal on lender calculations. [redacted] does not include Document Preparation fees into finance charges. Regarding the Title-Departmentals/Title $[redacted], [redacted] is unable to determine what services and purpose the Title-Departmentals/Title represents to determine if a finance charge. Please provide a lender attestation giving the specific purpose and services included in this fee in order to determine if finance charge for testing.<br>Seller Comment (2024-10-30): the reviewer are not including the lender paid doc prep ($[redacted]) in their finance charge but are adding in full departs and title searches ([redacted]) which are not APR. That would make up the cited $[redacted]difference. <br>$[redacted] Doc Prep if paid to Lender is an APR fee<br> $[redacted] Title Searches are not APR fees<br> [redacted] Mavent TILA.pdf (Compliance Testing) was uploaded | 11/04/2024 |  |  | 1 C A |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
| 222663192 | 1052831849 | 1052831849 |  | 32499923 |  | Compliance | Compliance | State Compliance | State HPML | [redacted] Subprime Home Loan Threshold Fixed Compliant | [redacted] Subprime Loan: APR on subject loan of [redacted] % or Final Disclosure APR of [redacted] % is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] + [redacted]%, or [redacted]%. Compliant SubPrime Loan. |  |  |  |  | Buyer Comment (2024-11-05): [redacted] acknowledges and waives this non-material [redacted] Subprime EV2 finding<br>Seller Comment (2024-10-30): This is a [redacted] subprime loan |  |  | 11/05/2024 | 2 B |  | NY | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | No |
| 222663255 | 240923602 | 240923602 |  | 32500233 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC,Aggregator | Reviewer Comment (2024-11-11): Client elects to waive with compensating factors. |  |  | 11/11/2024 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 222979897 | 241225737 | 241225737 |  | 32965082 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient by $[redacted]. The [redacted]checklist was not located in the file. |  |  |  | Reviewer Comment (2025-01-31): Received required documentation. Condition cleared.<br>Buyer Comment (2025-01-31): Email from insurance agent and RCE uploaded for review. | 01/31/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222979899 | 1052871220 | 1052871220 |  | 32965086 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender Exception to waive the ACH requirement. Unable to downgrade and waive due to missing lenders compensating factors. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted]<br>Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC,Aggregator<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-16): Client elects to waive with comp factors.<br>Seller Comment (2025-01-16): we are hoping to get this waived as this is an experienced repeat client with a credit score exceeding [redacted] and completed this transaction cashing out over $[redacted]indicating substantial reserves. Please advise. |  |  | 01/16/2025 | 2 C B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 222979900 | 1052871276 | 1052871276 |  | 32965089 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution signed by all the members of the borrowing business entity not provided. |  |  |  | Reviewer Comment (2025-01-17): Received corporate resolution signed by all members. Exception cleared.<br>Seller Comment (2025-01-16): Corp resolution attached<br> Corp Resolution.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-01-16): Kindly provide Corporate Resolution signed by all the members of the borrowing business entity. Exception remains.<br>Seller Comment (2025-01-15): Business Formation Docs.pdf (Unclassified) was referenced | 01/17/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222979900 | 1052871276 | 1052871276 |  | 32965091 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification Number (EIN) not provided. |  |  |  | Reviewer Comment (2025-01-16): Employer Identification Number (EIN) document received and updated. Exception cleared.<br>Seller Comment (2025-01-15): Business Formation Docs.pdf (Unclassified) was referenced | 01/16/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222979900 | 1052871276 | 1052871276 |  | 32965090 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement of borrowing business entity not provided. |  |  |  | Reviewer Comment (2025-01-16): Operating Agreement received and updated. Exception cleared.<br>Seller Comment (2025-01-15): Business Formation Docs.pdf (Unclassified) was referenced | 01/16/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222979900 | 1052871276 | 1052871276 |  | 32965088 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing of borrowing business entity not provided. |  |  |  | Reviewer Comment (2025-01-16): Certificate of Good Standing document received and uploaded. Exception cleared.<br>Seller Comment (2025-01-15): Business Formation Docs.pdf (Unclassified) was referenced | 01/16/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222979900 | 1052871276 | 1052871276 |  | 32965087 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation of borrowing business entity not provided. |  |  |  | Reviewer Comment (2025-01-17): Received Articles of Organization/Formation. Exception cleared.<br>Seller Comment (2025-01-16): Please see the attached Operating agreement. and [redacted] look up for provided earlier as well.<br> EIN AND OPERATING AGREEMENT.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-01-16): Provided document is Filing Receipt, Kindly provide Articles of Organization/Formation of borrowing business entity. Exception remains.<br>Seller Comment (2025-01-15): please see attached<br> Business Formation Docs.pdf (Unclassified) was uploaded | 01/17/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 222979909 | 240923511 | 240923511 |  | 32965130 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling Organizations is missing. |  |  |  | Reviewer Comment (2025-01-13): Received required documentation. Condition cleared.<br>Buyer Comment (2025-01-13): Housing counselors disclosure uploaded for review. | 01/13/2025 |  |  | 1 B A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 222979909 | 240923511 | 240923511 |  | 32965133 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | [redacted]k used for Asset Utilization income is missing statement from [redacted]. Guidelines require [redacted] months statements for asset utilization accounts and file contains only [redacted] months for this account, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2025-01-14): Loan is NonQM<br>Buyer Comment (2025-01-13): The documentation was provided in the trailing docs, Doc ID D[redacted], please advise.<br>Reviewer Comment (2025-01-13): Escalated to [redacted] compliance.<br>Buyer Comment (2025-01-10): [redacted] statement for [redacted] uploaded to trailing docs for review. | 01/14/2025 |  |  | 1 B A C |  | FL | Second Home | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 222979909 | 240923511 | 240923511 |  | 32965134 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Asset Depletion Income | Ability to Repay (Dodd-Frank 2014): Unable to verity asset depletion income due to, bank statement provided was dated more than [redacted] days prior to closing. | [redacted] used for Asset Utilization income is missing statement from [redacted]. Guidelines require [redacted] months statements for asset utilization accounts and file contains only [redacted] months for this account, causing an ATR failure. |  |  |  | Reviewer Comment (2025-01-13): Date of bank statements are within lender guides age of documentation. Condition cleared.<br>Buyer Comment (2025-01-10): [redacted] statement for [redacted] uploaded for review. | 01/13/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 222979910 | 241225795 | 241225795 |  | 32965149 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR failure due to missing income documentation: Lease agreement for property at [redacted] not provided in file. |  |  |  | Reviewer Comment (2025-01-31): Received updated instructions and 1008. Condition cleared.<br>Buyer Comment (2025-01-31): The negative rents from [redacted] of $[redacted] have been applied to the borrowers income. The DTI is now [redacted]%. The 1008, 1003 and approval have been submitted for review. | 01/31/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 222979910 | 241225795 | 241225795 |  | 32965150 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to missing income documentation: Lease agreement for property at [redacted] not provided in file. |  |  |  | Reviewer Comment (2025-01-31): Received updated instructions and 1008. Condition cleared.<br>Buyer Comment (2025-01-31): The negative rents from [redacted] of $[redacted] have been applied to the borrowers income. The DTI is now [redacted]%. The 1008, 1003 and approval have been submitted for review. | 01/31/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 222979910 | 241225795 | 241225795 |  | 32965148 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Lease agreement for property at [redacted] not provided in file. |  |  |  | Reviewer Comment (2025-01-31): Received updated instructions and 1008. Condition cleared.<br>Buyer Comment (2025-01-31): The negative rents from [redacted] of $[redacted] have been applied to the borrowers income. The DTI is now [redacted]%. The 1008, 1003 and approval have been submitted for review. | 01/31/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 222979910 | 241225795 | 241225795 |  | 32965147 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to missing income documentation: Lease agreement for property at [redacted] not provided in file. |  |  |  | Reviewer Comment (2025-01-31): Received updated instructions and 1008. Condition cleared. | 01/31/2025 |  |  | 1 A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 222979910 | 241225795 | 241225795 |  | 32965145 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR failure due to missing income documentation: Lease agreement for property at [redacted] not provided in file. |  |  |  | Reviewer Comment (2025-01-31): Received updated instructions and 1008. Condition cleared.<br>Buyer Comment (2025-01-31): The negative rents from [redacted] of $[redacted]have been applied to the borrowers income. The DTI is now [redacted]%. The 1008, 1003 and approval have been submitted for review. | 01/31/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| 222979910 | 241225795 | 241225795 |  | 32965144 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Lease agreement for [redacted] property not provided in file. |  |  |  | Reviewer Comment (2025-01-31): Received updated instructions and 1008. Condition cleared.<br>Buyer Comment (2025-01-31): The negative rents from [redacted] of $[redacted] have been applied to the borrowers income. The DTI is now [redacted]%. The 1008, 1003 and approval have been submitted for review. | 01/31/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 222979910 | 241225795 | 241225795 |  | 32965143 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. | Final CD seller fees: $[redacted]. Seller Cd seller fees: $[redacted]. |  |  |  | Reviewer Comment (2025-01-21): Final CD received. | 01/21/2025 |  |  | 1 A |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| 222979910 | 241225795 | 241225795 |  | 32965142 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Final CD shows monthly escrow as $[redacted]. Initial escrow disclosure shows monthly payment of $[redacted] In addition, the initial deposit on the IEAD reflects $[redacted], however the CD shows the initial deposit as $[redacted] |  |  |  | Reviewer Comment (2025-01-21): Final CD received.<br>Buyer Comment (2025-01-17): Submitted Final CD with page [redacted] matching [redacted] escrows for review. Document appears to have not been downloaded with the initial shipping package. | 01/21/2025 |  |  | 1 B A |  | TX | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Non QM | Non QM | Yes |
| 222979910 | 241225795 | 241225795 |  | 32965146 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO [redacted]% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income ([redacted]% Method) using reasonably reliable third-party records. | Lease agreement for property at [redacted] not provided in file. |  |  |  | Reviewer Comment (2025-01-31): Received updated instructions and 1008. Condition cleared.<br>Buyer Comment (2025-01-31): The negative rents from [redacted] of $[redacted] have been applied to the borrowers income. The DTI is now [redacted]%. The 1008, 1003 and approval have been submitted for review. | 01/31/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
| 222979912 | 241225551 | 241225551 |  | 32965161 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Income calculated is slightly lower than lender calculations. Rental loss of $[redacted] was deducted from gross income. |  |  |  | Reviewer Comment (2025-01-28): Received required documentation. Condition cleared.<br>Reviewer Comment (2025-01-28): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%.<br>Buyer Comment (2025-01-27): Submitted updated 1003, 1008, and Approval with negative rents of -$[redacted] being subtracted from income. [redacted] student loan #[redacted]had an incorrect monthly payment listed of $[redacted]. This account is deferred with all other student loans documented in the student loan letter under doc ID [redacted], and with no payment is listed on credit report. | 01/28/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 222979912 | 241225551 | 241225551 |  | 32965162 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Income calculated is slightly lower than lender calculations. Rental loss of $[redacted]was deducted from gross income. |  |  |  | Reviewer Comment (2025-01-28): Received required documentation. Condition cleared.<br>Buyer Comment (2025-01-27): Submitted updated 1003, 1008, and Approval with negative rents of -$[redacted] being subtracted from income. [redacted] student loan #[redacted] had an incorrect monthly payment listed of $[redacted]. This account is deferred with all other student loans documented in the student loan letter under doc ID [redacted], and with no payment is listed on credit report. | 01/28/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 222979912 | 241225551 | 241225551 |  | 32965163 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Income calculated is slightly lower than lender calculations. Rental loss of $[redacted]was deducted from gross income. |  |  |  | Reviewer Comment (2025-01-28): Received required documentation. Condition cleared.<br>Buyer Comment (2025-01-27): Submitted updated 1003, 1008, and Approval with negative rents of -$[redacted]being subtracted from income. [redacted] student loan #[redacted]had an incorrect monthly payment listed of $[redacted]. This account is deferred with all other student loans documented in the student loan letter under doc ID [redacted], and with no payment is listed on credit report. | 01/28/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 222979912 | 241225551 | 241225551 |  | 32965164 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted]([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Income calculated is slightly lower than lender calculations. Rental loss of $[redacted]was deducted from gross income. |  |  |  | Reviewer Comment (2025-01-28): Received required documentation. Condition cleared.<br>Buyer Comment (2025-01-27): Submitted updated 1003, 1008, and Approval with negative rents of -$[redacted]being subtracted from income. [redacted] student loan #[redacted]had an incorrect monthly payment listed of $[redacted]. This account is deferred with all other student loans documented in the student loan letter under doc ID [redacted], and with no payment is listed on credit report. | 01/28/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 222979913 | 1052872767 | 1052872767 |  | 32965167 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien [redacted] transaction did not disclose any Seller paid fees/charges on page [redacted]. | The loan file does not contain a copy of the Seller Closing Disclosure. The borrower's Closing Disclosure does not reflect fees paid by the seller. |  |  |  | Reviewer Comment (2025-01-29): [redacted] received Seller CD.<br>Seller Comment (2025-01-27): We don't show seller Fees on Borrowers CD. See attached Seller CD and Settlement stmt for seller fees<br> [redacted] Settlement STMT and Seller CD.pdf (Unclassified) was uploaded | 01/29/2025 |  |  | 1 C A |  | IL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| 222979914 | 241024786 | 241024786 |  | 32965172 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted] or .[redacted]%). Non-Compliant High Cost Loan. | Points and Fees total $[redacted]on a Total Loan Amount of $[redacted], versus an allowable total of $[redacted]. This results in an overage of $[redacted]or [redacted]%. |  |  |  | Reviewer Comment (2025-02-03): Evidence of discount rate provided.<br>Reviewer Comment (2025-02-03): Final CD provided confirms loan discount points [redacted]% of loan amount which is $[redacted]. due to which it reflects as high-cost loan, please provide PCCD which was sent to the borrower with lower discount points. Exception Remains.<br>Buyer Comment (2025-01-31): This is not a High-Cost loan. Your portal reflects inclusion of loan discount points in the amount of $[redacted]however per the information provided (see attached) $[redacted]should be excluded from the calculation. | 02/03/2025 |  |  | 1 C A |  | TX | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 222979914 | 241024786 | 241024786 |  | 32965181 |  | Credit | Credit | Miscellaneous | Credit | A copy of Asset Verification Report is not on file. |  | Lender exception request for co-borrower to have [redacted]fico (guidelines required all borrowers to have a minimum [redacted]fico) is approved. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this [redacted] transaction of at least [redacted]% and $[redacted] .<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Borrower has been employed in the same industry for more than [redacted] years.<br>Reserves: [redacted]<br> Guideline Requirement: [redacted] | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-31): Client elects to waive with compensating factors. |  |  | 01/31/2025 | 2 B |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222979914 | 241024786 | 241024786 |  | 32965179 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Fee Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee am mount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-01-30): Sufficient Cure Provided At Closing |  | 01/30/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 222979914 | 241024786 | 241024786 |  | 32965177 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Texas High-Cost Loan (Points and Fees) | [redacted] Anti-Predatory Lending Statute: Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Total Loan Amount. Points and Fees total $[redacted]on a Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). Compliant High Cost Loan. | Points and Fees total $[redacted]on a Total Loan Amount of $[redacted], versus an allowable total of $[redacted]. This results in an overage of $[redacted]or [redacted]%. |  |  |  | Reviewer Comment (2025-02-03): Evidence of discount rate provided.<br>Reviewer Comment (2025-02-03): Final CD provided confirms loan discount points [redacted]% of loan amount which is $[redacted]. due to which it reflects as high-cost loan, please provided PCCD which was sent to the borrower with lower discount points. Exception Remains.<br>Buyer Comment (2025-01-31): This is not a High-Cost loan. Your portal reflects inclusion of loan discount points in the amount of $[redacted] however per the information provided (see attached document uploaded to trailing docs) $[redacted] should be excluded from the calculation. | 02/03/2025 |  |  | 1 C A |  | TX | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 222979914 | 241024786 | 241024786 |  | 32965173 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Waterfall due to points and fees. State disclosure not provided. |  |  |  | Reviewer Comment (2025-02-03): Evidence of discount rate provided.<br>Reviewer Comment (2025-02-03): Final CD provided confirms loan discount points [redacted]% of loan amount which is $[redacted]. due to which it reflects as high-cost loan, please provide PCCD which was sent to the borrower with lower discount points. Exception Remains.<br>Buyer Comment (2025-01-31): This is not a High-Cost loan. Your portal reflects inclusion of loan discount points in the amount of $[redacted]however per the information provided (see attached document uploaded to trailing docs) $[redacted] should be excluded from the calculation. | 02/03/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222979914 | 241024786 | 241024786 |  | 32965171 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [redacted]% of the amount past due or grace period of less than [redacted]days. | Waterfall due to points and fees. State disclosure not provided. |  |  |  | Reviewer Comment (2025-02-03): Evidence of discount rate provided.<br>Reviewer Comment (2025-02-03): Final CD provided confirms loan discount points [redacted]% of loan amount which is $[redacted]. due to which it reflects as high-cost loan, please provide PCCD which was sent to the borrower with lower discount points. Exception Remains.<br>Buyer Comment (2025-01-31): This is not a High-Cost loan. Your portal reflects inclusion of loan discount points in the amount of $[redacted] however per the information provided (see attached document uploaded to trailing docs) $[redacted]should be excluded from the calculation. | 02/03/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222979914 | 241024786 | 241024786 |  | 32965170 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Waterfall due to points and fees. State disclosure not provided. |  |  |  | Reviewer Comment (2025-02-03): Evidence of discount rate provided.<br>Reviewer Comment (2025-02-03): Final CD provided confirms loan discount points [redacted]% of loan amount which is $[redacted]. due to which it reflects as high-cost loan, please provide [redacted] which was sent to the borrower with lower discount points. Exception Remains.<br>Buyer Comment (2025-01-31): This is not a High-Cost loan. Your portal reflects inclusion of loan discount points in the amount of $[redacted] however per the information provided (see attached document uploaded to trailing docs) $[redacted] should be excluded from the calculation. | 02/03/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222979914 | 241024786 | 241024786 |  | 32965169 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Waterfall due to points and fees. State disclosure not provided. |  |  |  | Reviewer Comment (2025-02-03): Evidence of discount rate provided.<br>Reviewer Comment (2025-02-03): Final CD provided confirms loan discount points [redacted]% of loan amount which is $[redacted]. due to which it reflects as high-cost loan, please provide [redacted] which was sent to the borrower with lower discount points. Exception Remains.<br>Buyer Comment (2025-01-31): This is not a High-Cost loan. Your portal reflects inclusion of loan discount points in the amount of $[redacted] however per the information provided (see attached document uploaded to trailing docs) $[redacted] should be excluded from the calculation. | 02/03/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 222979917 | 240923873 | 240923873 |  | 32965197 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted]([redacted]) business days from transaction date of [redacted] AM. | Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted]. Discrepancy is due to the dates on the final CD |  |  |  | Reviewer Comment (2025-01-10): Received required documentation. Condition cleared.<br>Buyer Comment (2025-01-07): PCCD documentation and final SS uploaded for review. | 01/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 222979917 | 240923873 | 240923873 |  | 32965198 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] | SitusAMC | Reviewer Comment (2025-02-03): Client elects to waive with inspection prior to disaster date.<br>Buyer Comment (2025-01-30): [redacted] uploaded for review. |  |  | 02/03/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| 223283412 | 250126072 | 250126072 |  | 33303776 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender approved exception for recent [redacted]residence converted to [redacted]property/considered an FTI. FICO mid score is [redacted] point below minimum required [redacted]. Compensating Factors: [redacted](borrower is currently due for [redacted]), DSCR [redacted], FICO: [redacted], and [redacted]months reserves with cash out. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-02-06): Client elects to waive with comp factors. |  |  | 02/06/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223283414 | 250126429 | 250126429 |  | 33303778 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report not provided in file. |  |  |  | Reviewer Comment (2025-02-26): Received Credit Report. Exception Cleared.<br>Buyer Comment (2025-02-21): Credit report uploaded for review. | 02/26/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 223283414 | 250126429 | 250126429 |  | 33303780 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Credit report not provided in file. |  |  |  | Reviewer Comment (2025-02-26): Received Credit Report. Exception Cleared.<br>Buyer Comment (2025-02-21): Credit report uploaded to trailing docs for review. | 02/26/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 223283414 | 250126429 | 250126429 |  | 33303781 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Required [redacted] months reserves not provided in file. |  |  |  | Reviewer Comment (2025-02-24): Per guide, file where DSCR is [redacted]+, no reserves are required. Updated AUS screen. Exception cleared.<br>Buyer Comment (2025-02-21): Per section [redacted] of the guidelines reserves are not required with DSCR of [redacted]%+. Also please correct your DSCR calculation, the subject ITIA should be $[redacted]. The taxes should be calculated per the final 1008 "Tax calc: used current tax bill as allowed per guidelines. Current taxes have a large exemption since owners are a life estate. To qualify, used the assessed value of $[redacted]x [redacted]millage rate = $[redacted] = $[redacted]mth. No exemptions applied.", the accurate DSCR calculation is $[redacted]market rents/$[redacted]ITIA = [redacted]or [redacted]% DSCR. | 02/24/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A |  | N/A | No |
| 223283420 | 250126497 | 250126497 |  | 33303789 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted] |  |  |  | Reviewer Comment (2025-03-21): Received bank statement for the account #[redacted]. Exception Cleared.<br>Buyer Comment (2025-03-19): Per the [redacted] [redacted] transaction history the balance on account as of [redacted] is $[redacted]+ $[redacted][redacted] [redacted]+ $[redacted] [redacted] [redacted]= $[redacted]verified assets, which is sufficient to cover the funds to close in the amount of $[redacted]. Per section [redacted]of the [redacted] guidelines reserves are not required with DSCR of [redacted]%(+).<br>Reviewer Comment (2025-03-19): Exception Remains - Received Appraisal and Credit invoice which paid outside closing, Still funds are insufficient to cover cash from borrower.<br>Buyer Comment (2025-03-18): [redacted] [redacted] transaction history (amount prior to closing reflects $[redacted] available for closing), appraisal and credit report invoices uploaded for review. | 03/21/2025 |  |  | 1 C A |  | NV | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 223283421 | 250226737 | 250226737 |  | 33303790 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for property appraisal reflects subject market area as rural and town has a pop [redacted] which is below [redacted] per guidelines. Property meets all other guidelines for acceptance of rural property as is within [redacted]miles of [redacted]. Compensating Factors: [redacted]FICO is significantly higher than [redacted]FICO required for loan program/LTV. Borrower owns multiple rental over [redacted] months, and Borrower has several paid as [redacted] on credit report. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-03-03): Client elects to waive with comp factors. |  |  | 03/03/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 223283431 | 1052883944 | 1052883944 |  | 33303803 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-03-11): Client elects to waive and downgrade with comp factors.<br>Buyer Comment (2025-03-11): Approved<br>Comp Factors: [redacted] & FICO<br>Buyer Comment (2025-02-21): approved with additonal -[redacted] LLPA<br>Reviewer Comment (2025-01-31): Received Certificate of Formation. Required Articles of Organization. Exception Remains<br>Seller Comment (2025-01-30): [redacted]- LLC DOCS.pdf (Unclassified) was uploaded<br>Seller Comment (2025-01-30): [redacted]- OPERATING AGREEMENT.pdf (Unclassified) was uploaded |  |  | 03/11/2025 | 2 C B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223283431 | 1052883944 | 1052883944 |  | 33303804 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing. |  |  |  | Reviewer Comment (2025-01-31): Received Certificate of Good Standing. Exception Cleared.<br>Seller Comment (2025-01-30): [redacted]- LLC DOCS.pdf (Unclassified) was uploaded<br>Seller Comment (2025-01-30): [redacted]- CERTIFICATE OF GOOD STANDING.pdf (Unclassified) was uploaded | 01/31/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223283431 | 1052883944 | 1052883944 |  | 33303805 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-02-07): Client elects to waive with comp factors.<br>Buyer Comment (2025-02-07): [redacted] approves lender exception for reserves less than [redacted] mo req. based on FICO [redacted]+ pts above min and [redacted]housing history<br> 1008 - [redacted] ([redacted]).pdf (Underwriting Summary) was uploaded<br>Reviewer Comment (2025-02-03): Total Asset verified: $[redacted] [redacted]+ $[redacted][redacted] + $[redacted] [redacted] = $[redacted]. Asset available for reserves are $[redacted]less than minimum reserves requirement of $[redacted]. Exception remains.<br>Seller Comment (2025-01-30): see new 1008 with the breakdown of assets needed to close plus reserves calculation.Cash needed is $[redacted]. Cash verified via [redacted] statements is $[redacted]. this loan is not short.<br>Seller Comment (2025-01-30): [redacted]- [redacted].pdf (Unclassified) was uploaded<br>Seller Comment (2025-01-30): [redacted] [redacted]- CD CONSUMMATION.pdf (Unclassified) was uploaded<br>Seller Comment (2025-01-30): [redacted] [redacted]- ASSETS.pdf (Unclassified) was uploaded |  |  | 02/07/2025 | 2 C B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223283431 | 1052883944 | 1052883944 |  | 33303802 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 Final is missing. |  |  |  | Reviewer Comment (2025-02-03): Received final 1003 application. Exception Cleared.<br>Seller Comment (2025-01-30): [redacted]- FINAL 1003.pdf (Unclassified) was uploaded | 02/03/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 223283435 | 1052894361 | 1052894361 |  | 33303815 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender confirming the condo is warrantable |  |  |  | Reviewer Comment (2025-02-06): Exception cleared. Received Condo Questionnaire and updated correctly.<br>Seller Comment (2025-02-04): see attached<br> [redacted] Condo Questionare.pdf (Unclassified) was uploaded | 02/06/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223283435 | 1052894361 | 1052894361 |  | 33303818 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for New Condo Project. HOAs not yet turned over to the unit owners. Compensating Factor: FICO | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted]<br> Representative FICO: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-02-01): Client elects to waive with comp factors. |  |  | 02/01/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223283435 | 1052894361 | 1052894361 |  | 33303819 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Fee Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | $[redacted]violation due to increase in Recording Fees. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-02-11): [redacted] received PCCD, LOE and payment history for principal reduction of cure.<br>Seller Comment (2025-02-06): see attached<br> [redacted] PCCD, COC and PH.pdf (Closing Disclosure) was uploaded |  | 02/11/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303837 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Documented qualifying Assets for Closing of $[redacted]is less than Cash From Borrower $[redacted]and Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.<br>Seller Comment (2025-02-24): Final CD reflects $[redacted] required from borrower. Borrower has sufficient funds to close + Necessary Reserves.<br> [redacted] Final CD.pdf (Credit Review Documentation) was uploaded | 02/25/2025 |  |  | 1 B A |  | FL | Second Home | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303836 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Documented qualifying Assets for Closing of $[redacted]is less than Cash From Borrower $[redacted]and Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2025-02-27): As per Final CD Reflects $[redacted] required from borrower, also borrower has sufficient reserve funds to close to meet the [redacted] months reserve requirement. Exception Cleared.<br>Seller Comment (2025-02-24): Final CD supports < $[redacted] required at closing<br> [redacted] Final CD.pdf (Credit Review Documentation) was referenced | 02/27/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303835 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Documented qualifying Assets for Closing of $[redacted]is less than Cash From Borrower $[redacted]and Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2025-02-27): As per Final CD Reflects $[redacted] required from borrower, also borrower has sufficient reserve funds to close to meet the [redacted] months reserve requirement. Exception Cleared.<br>Seller Comment (2025-02-24): Final CD reflects $[redacted] required from borrower. Borrower has sufficient funds to close + Necessary Reserves.<br> [redacted] Final CD.pdf (Credit Review Documentation) was referenced | 02/27/2025 |  |  | 1 B A C |  | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303834 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. |  |  |  | Reviewer Comment (2025-02-27): As per Final CD Reflects $[redacted]required from borrower, also borrower has sufficient reserve funds to close to meet the [redacted] months reserve requirement. Exception Cleared.<br>Seller Comment (2025-02-24): Final CD reflects $[redacted] required from borrower. Borrower has sufficient funds to close + Necessary Reserves.<br> [redacted] Final CD.pdf (Credit Review Documentation) was referenced | 02/27/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303833 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees | TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. | Fees disclosed on the Seller's Closing Disclosure of $[redacted]are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure of $[redacted]. |  |  |  | Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower. | 02/25/2025 |  |  | 1 A |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303832 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Final Closing Disclosure provided on [redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. |  |  |  | Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.<br>Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was referenced | 02/25/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD A | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303831 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] did not disclose the Total of Payments. | Final Closing Disclosure provided on [redacted] did not disclose the Total of Payments. |  |  |  | Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.<br>Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was referenced | 02/25/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303830 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a periodic principal and interest payment for payment stream [redacted] that does not match the actual payment for the loan. | Final Closing Disclosure provided on [redacted] disclosed a periodic principal and interest payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.<br>Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was uploaded | 02/25/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303828 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan contains Negative Amortization. | Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan contains Negative Amortization. |  |  |  | Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.<br>Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was referenced | 02/25/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303827 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was not signed by borrower and can be excluded from testing if it was never provided to the borrower. In order to exclude Incomplete Closing Disclosure from testing, please provide attestation from lender referencing the specific Closing Disclosure that was not provided to the borrower. | Incomplete Closing Disclosure was not signed by borrower and can be excluded from testing if it was never provided to the borrower. In order to exclude Incomplete Closing Disclosure from testing, please provide attestation from lender referencing the specific Closing Disclosure that was not provided to the borrower. |  |  |  | Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.<br>Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was referenced | 02/25/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) A | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303826 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] did not disclose the Finance Charge. | Final Closing Disclosure provided on [redacted] did not disclose the Finance Charge or missing in given closing Disclosure. |  |  |  | Reviewer Comment (2025-02-25): [redacted]received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.<br>Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was referenced | 02/25/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303825 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an Estimated Total Monthly Payment for payment stream [redacted] that does not match the actual total payment for the loan. | Final Closing Disclosure provided on [redacted] disclosed an Estimated Total Monthly Payment for payment stream [redacted] that does not match the actual total payment for the loan. |  |  |  | Reviewer Comment (2025-02-25): [redacted]received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.<br>Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was referenced | 02/25/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303824 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. | Final Closing Disclosure provided on [redacted] disclosed an escrow payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2025-02-25): [redacted]received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.<br>Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was referenced | 02/25/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303823 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] did not disclose the Amount Financed. | Final Closing Disclosure provided on [redacted] did not disclose the Amount Finance or missing in given Closing Disclosure. |  |  |  | Reviewer Comment (2025-02-25): [redacted]received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.<br>Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was referenced | 02/25/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303822 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[redacted]is less than Cash From Borrower $[redacted]. |  |  |  | Reviewer Comment (2025-02-27): As per Final CD Reflects $[redacted] required from borrower, also borrower has sufficient reserve funds to close to meet the [redacted] months reserve requirement. Exception Cleared.<br>Seller Comment (2025-02-24): Final CD supports < $[redacted]required at closing from borrower<br> [redacted] Final CD.pdf (Credit Review Documentation) was referenced | 02/27/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303820 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-02-25): Condo Documentation received & associated. Exception cleared.<br>Seller Comment (2025-02-24): Condo Warranty/Approval<br> [redacted] Condo Approval.pdf (Credit Review Documentation) was uploaded | 02/25/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Non QM | Non QM | No |
| 223283436 | 1052883490 | 1052883490 |  | 33303829 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] Underdisclosed - [redacted] [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. |  |  |  | Reviewer Comment (2025-02-25): [redacted] received lender attestation on issued CD's and [redacted] CD was not disclosed to borrower.<br>Seller Comment (2025-02-24): [redacted] CD.pdf (Credit Review Documentation) was referenced | 02/25/2025 |  |  | 1 C A |  | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303856 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule [redacted] Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current [redacted] status using reasonably reliable third-party records. | Waterfall due [redacted]and third party verification for income from [redacted] and [redacted] not provided. |  |  |  | Reviewer Comment (2025-03-07): [redacted] income removed as per updated 1003, 1008, approval. [redacted] 1099 received.<br>Buyer Comment (2025-03-06): Submitted [redacted] 1099s, and updated 1003, 1008, DU, and Approval with removal of [redacted] income for [redacted] for review. [redacted] VVOE for [redacted] was included in the initial shipping package and is located in your portal under doc ID [redacted]. | 03/07/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303853 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (ATR - Income: Schedule C) | [redacted]High-Cost Mortgage (Closed-end ATR): Unable to verify [redacted] income using reasonably reliable third-party records. | Waterfall due [redacted]and third party verification for income from [redacted] and [redacted] not provided. |  |  |  | Reviewer Comment (2025-03-07): APR corrected in final cd, exception cleared.<br>Buyer Comment (2025-03-06): Submitted [redacted] 1099s, and updated 1003, 1008, DU, and Approval with removal of [redacted] income for [redacted]for review. [redacted] VVOE for [redacted]was included in the initial shipping package and is located in your portal under doc ID [redacted]. | 03/07/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303857 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule [redacted] | Ability to Repay (Dodd-Frank 2014): Unable to verify [redacted] income using reasonably reliable third-party records. | Waterfall due [redacted]and third party verification for income from [redacted] and [redacted] not provided. |  |  |  | Reviewer Comment (2025-03-07): [redacted] income removed as per updated 1003, 1008, approval. [redacted] 1099 received.<br>Buyer Comment (2025-03-06): Submitted [redacted] 1099s, and updated 1003, 1008, DU, and Approval with removal of [redacted] income for [redacted] for review.[redacted] VVOE for [redacted] was included in the initial shipping package and is located in your portal under doc ID [redacted]. | 03/07/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303858 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule [redacted] | Ability to Repay (Dodd-Frank 2014): Unable to verify [redacted] income using reasonably reliable third-party records. | Waterfall due [redacted]and third party verification for income from [redacted]and [redacted] not provided. |  |  |  | Reviewer Comment (2025-03-07): [redacted] income removed as per updated 1003, 1008, approval. [redacted]1099 received.<br>Buyer Comment (2025-03-06): Submitted [redacted] 1099s, and updated 1003, 1008, DU, and Approval with removal of [redacted] income for [redacted] for review. [redacted] VVOE for [redacted] was included in the initial shipping package and is located in your portal under doc ID [redacted]. | 03/07/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303860 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due [redacted]and third party verification for income from [redacted] and [redacted] not provided. |  |  |  | Reviewer Comment (2025-03-07): [redacted] income removed as per updated 1003, 1008, approval. [redacted] 1099 received.<br>Buyer Comment (2025-03-06): Submitted [redacted] 1099s, and updated 1003, 1008, DU, and Approval with removal of [redacted] income for [redacted]for review. [redacted] VVOE for [redacted] was included in the initial shipping package and is located in your portal under doc ID [redacted]. | 03/07/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303861 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due [redacted]and third party verification for income from [redacted] and [redacted] not provided. |  |  |  | Reviewer Comment (2025-03-07): [redacted] income removed as per updated 1003, 1008, approval. [redacted] 1099 received. | 03/07/2025 |  |  | 1 A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303862 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [redacted]Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Loan. | APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2025-03-07): APR corrected in final cd, exception cleared.<br>Buyer Comment (2025-03-06): Submitted [redacted] 1099s, and updated 1003, 1008, DU, and Approval with removal of [redacted] income for [redacted]for review. [redacted] VVOE for [redacted]was included in the initial shipping package and is located in your portal under doc ID [redacted]. | 03/07/2025 |  |  | 1 B A |  | OK | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303864 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Fee Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal re-inspection fee disclosed as $[redacted]on initial CD and as $[redacted]on final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-03-18): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-03-17): PCCD cure documentation uploaded for review.<br>Reviewer Comment (2025-03-05): [redacted]received COC dated [redacted] and [redacted] stating reason as Final Inspection required. However, we would require a valid reason as to why the fee increased twice on $[redacted] on CD dated [redacted] and also on $[redacted] for CD dated [redacted] . Kindly provide a valid COC or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-03-04): COC for the increase in fee from $[redacted] to $[redacted] was included in the initial shipping package and is located in your portal under doc ID [redacted]. |  | 03/18/2025 |  | 2 C B |  | OK | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303865 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due [redacted]and third party verification for income from [redacted] and [redacted] not provided. |  |  |  | Reviewer Comment (2025-03-07): [redacted] income removed as per updated 1003, 1008, approval. [redacted] 1099 received.<br>Buyer Comment (2025-03-06): Submitted [redacted] 1099s, and updated 1003, 1008, DU, and Approval with removal of [redacted] income for [redacted] for review. [redacted] VVOE for [redacted] was included in the initial shipping package and is located in your portal under doc ID [redacted]. | 03/07/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303855 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due [redacted]and third party verification for income from [redacted] and [redacted] not provided. |  |  |  | Reviewer Comment (2025-03-07): [redacted] income removed as per updated 1003, 1008, approval. [redacted] 1099 received.<br>Buyer Comment (2025-03-06): Submitted [redacted] 1099s, and updated 1003, 1008, DU, and Approval with removal of [redacted] income for [redacted] for review. [redacted] VVOE for [redacted] was included in the initial shipping package and is located in your portal under doc ID [redacted]. | 03/07/2025 |  |  | 1 B A C |  | OK | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303854 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (ATR - Income: Schedule C) | [redacted]High-Cost Mortgage (Closed-end ATR): Unable to verify [redacted] income using reasonably reliable third-party records. | Waterfall due [redacted]and third party verification for income from [redacted] and [redacted] not provided. |  |  |  | Reviewer Comment (2025-03-07): [redacted] income removed from qualification.<br>Buyer Comment (2025-03-06): Submitted [redacted] 1099s, and updated 1003, 1008, DU, and Approval with removal of [redacted] income for [redacted]for review. [redacted] VVOE for [redacted]was included in the initial shipping package and is located in your portal under doc ID [redacted]. | 03/07/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303852 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Waterfall finding due to loan testing as a HOEPA transaction. |  |  |  | Reviewer Comment (2025-03-07): APR corrected in final cd, exception cleared.<br>Buyer Comment (2025-03-06): Submitted [redacted] 1099s, and updated 1003, 1008, DU, and Approval with removal of [redacted] income for [redacted]for review. [redacted] VVOE for [redacted]was included in the initial shipping package and is located in your portal under doc ID [redacted]. | 03/07/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303851 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Stated APR) | Truth in Lending Act (High-Cost Mortgage): Final Closing Disclosure APR Threshold is exceeded by [redacted]%. Final Closing Disclosure APR of [redacted]% exceeds a threshold of [redacted]% based on the Average Prime Offer Rate for comparable maturities of [redacted]% plus jurisdiction allowable margin of [redacted]%. Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-03-07): APR corrected in final cd, exception cleared.<br>Buyer Comment (2025-03-06): Submitted [redacted] 1099s, and updated 1003, 1008, DU, and Approval with removal of [redacted] income for [redacted]for review. [redacted] VVOE for [redacted] was included in the initial shipping package and is located in your portal under doc ID [redacted]. | 03/07/2025 |  |  | 1 C A |  | OK | Primary | Purchase | Provide the following: Letter of Explanation, corrected TIL/PCCD reflecting the accurate APR and proof of delivery. B | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303850 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Waterfall finding due to loan testing as a HOEPA transaction. |  |  |  | Reviewer Comment (2025-03-07): APR corrected in final cd, exception cleared.<br>Buyer Comment (2025-03-06): Submitted [redacted] 1099s, and updated 1003, 1008, DU, and Approval with removal of [redacted] income for [redacted] for review. [redacted] VVOE for [redacted] was included in the initial shipping package and is located in your portal under doc ID [redacted]. | 03/07/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303849 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | Waterfall finding due to loan testing as a HOEPA transaction. |  |  |  | Reviewer Comment (2025-03-07): APR corrected in final cd, exception cleared.<br>Buyer Comment (2025-03-06): Submitted [redacted] 1099s, and updated 1003, 1008, DU, and Approval with removal of [redacted] income for [redacted]for review. [redacted] VVOE for [redacted]was included in the initial shipping package and is located in your portal under doc ID [redacted]. | 03/07/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303848 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]% + [redacted]%, or [redacted]%. Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-03-07): APR corrected in final cd, exception cleared. | 03/07/2025 |  |  | 1 A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223283438 | 250126162 | 250126162 |  | 33303847 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | [redacted] and third party verification for income from [redacted] and [redacted] not provided. |  |  |  | Reviewer Comment (2025-03-07): [redacted] income removed as per updated 1003, 1008, approval. [redacted] 1099 received.<br>Buyer Comment (2025-03-06): Submitted [redacted] 1099s, and updated 1003, 1008, DU, and Approval with removal of [redacted] income for [redacted]for review. [redacted] VVOE for [redacted] was included in the initial shipping package and is located in your portal under doc ID [redacted]. | 03/07/2025 |  |  | 1 C A |  | OK | Primary | Purchase | C B A | Non QM | Non QM | No |
| 223283439 | 250126297 | 250126297 |  | 33303867 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate not provided. |  |  |  | Reviewer Comment (2025-03-05): Flood Certificate verified and updated. Exception cleared<br>Buyer Comment (2025-03-04): Submitted Flood Cert for review. | 03/05/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 223283441 | 250226743 | 250226743 |  | 33303875 |  | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-02): Sufficient Cure Provided At Closing |  | 03/02/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| 223283442 | 250226720 | 250226720 |  | 33303878 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved to allow LTV to go to [redacted]% on cash out [redacted] vs [redacted]% maximum per matrix. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. | Reserves: [redacted]<br> Guideline Requirement: [redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-04): Client elects to waive with comp factors. |  |  | 03/04/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 223283442 | 250226720 | 250226720 |  | 33303879 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [redacted]([redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Evidence final appraisal dated [redacted] appraisal was provided to borrower is missing. |  |  |  | Reviewer Comment (2025-03-07): Appraisal receipt received and verified. Exception cleared<br>Buyer Comment (2025-03-06): Proof of appraisal being sent to borrower uploaded for review. The presumed receipt date would be [redacted] the same day as closing. The appraisal waiver was provided in the initial shipping package under Doc ID [redacted]. | 03/07/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| 223456769 | 1052753061 | 1052753061 |  | 33511911 |  | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on [redacted] property is not in file |  | Title report and appraisal reflects Leasehold. Leasehold lease is not contained in the loan file. |  |  |  | Reviewer Comment (2024-07-19): Received leasehold lease agreement. Exception cleared.<br>Seller Comment (2024-07-17): Ground lease<br> [redacted] lease.pdf (Unclassified) was uploaded | 07/19/2024 |  |  | 1 C A |  | MD | Investment | Purchase | C A |  | N/A | No |

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![](tm2517341d1_ex99-1img001.jpg)

**Valuation Report**

**Run Date - 6/5/2025 10:55:09 AM** 

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Appraisal Company** | **Appraisal FSD Score** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal FSD Score** | **Second Appraisal Desk Review Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 222613131 | 1052774487 | 1052774487 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 222663192 | 1052831849 | 1052831849 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222663255 | 240923602 | 240923602 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 222979896 | 241225707 | 241225707 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 222979897 | 241225737 | 241225737 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222979898 | 241225761 | 241225761 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222979899 | 1052871220 | 1052871220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222979900 | 1052871276 | 1052871276 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222979901 | 1052866392 | 1052866392 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 222979909 | 240923511 | 240923511 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222979910 | 241225795 | 241225795 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.072% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222979911 | 1052873139 | 1052873139 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 222979912 | 241225551 | 241225551 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222979913 | 1052872767 | 1052872767 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.952% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.00 |
| 222979914 | 241024786 | 241024786 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222979915 | 241226039 | 241226039 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 222979916 | 241225876 | 241225876 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 222979917 | 240923873 | 240923873 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223089477 | 1052883974 | 1052883974 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 223283412 | 250126072 | 250126072 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223283413 | 241225941 | 241225941 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223283414 | 250126429 | 250126429 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223283416 | 241225893 | 241225893 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 223283417 | 241225517 | 241225517 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 223283418 | 241125466 | 241125466 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223283420 | 250126497 | 250126497 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223283421 | 250226737 | 250226737 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223283422 | 250126681 | 250126681 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223283425 | 250226698 | 250226698 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 223283429 | 250226981 | 250226981 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223283430 | 241225719 | 241225719 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223283431 | 1052883944 | 1052883944 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 223283432 | 1052884008 | 1052884008 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223283433 | 1052924524 | 1052924524 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223283435 | 1052894361 | 1052894361 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 223283436 | 1052883490 | 1052883490 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.00 |
| 223283438 | 250126162 | 250126162 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223283439 | 250126297 | 250126297 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 223283441 | 250226743 | 250226743 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.057% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223283442 | 250226720 | 250226720 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 223283446 | 250126679 | 250126679 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223283447 | 250226931 | 250226931 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 223283449 | 250126648 | 250126648 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 223283453 | 250227212 | 250227212 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223283456 | 250126220 | 250126220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223456769 | 1052753061 | 1052753061 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

![](tm2517341d1_ex99-1img001.jpg)

**Supplemental Data**

**Run Date - 6/5/2025 10:55:09 AM** 

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
| 222613131 | 1052774487 | 1052774487 |  | Non QM |  |  |  | Yes | No | $12993.25 | $18584.20 |  | 7.264% | $7746.58 | $7746.58 | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11910.87 | 1 | $17666.64 | $3099.96 | $1472.22 | $258.33 |  |  |  |  |  | 45.823% | 45.823% | 45.823% | 07/01/2024 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | WMB | $12993.25 |  | 6.760% | $0.00 | 1.1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 09/01/2054 |  |  | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.65 |  |  | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 222663192 | 1052831849 | 1052831849 |  | Non QM |  |  |  | Yes | No | $23925.00 | $26913.20 |  | 8.355% | $7312.50 | $9117.75 | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $101531.13 | 2 | $3799.32 | $4391.04 | $316.61 | $365.92 |  |  |  |  |  | 10.034% | 8.434% | 10.034% | 08/21/2024 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $23925.00 |  | 6.100% | $0.00 |  | DU |  | ApproveEligible | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 11/01/2054 | $381587.42 | 28.000% | Yes |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 166.68 |  |  | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 222663255 | 240923602 | 240923602 |  | N/A |  |  |  | No | No |  |  |  |  | $882.08 | $882.08 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2376.36 | $759.60 | $198.03 | $63.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/13/2024 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.72 |  |  |  |  |  |  | 240 | 11/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 20.93 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 222979896 | 241225707 | 241225707 |  | N/A |  |  |  | No | No |  |  |  |  | $1128.92 | $1128.92 | 9.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1661.64 | $1238.04 | $138.47 | $103.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/06/2024 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 99.42 |  |  |  | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 222979897 | 241225737 | 241225737 |  | N/A |  |  |  | No | No |  |  |  |  | $2954.69 | $2954.69 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6228.60 | $3374.04 | $519.05 | $281.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2024 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.98 |  |  |  |  |  |  | 240 | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.19 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 222979898 | 241225761 | 241225761 |  | N/A |  |  |  | No | No |  |  |  |  | $1222.36 | $1222.36 | 8.999% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $910.44 | $845.04 | $75.87 | $70.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/12/2024 | 625 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 112 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 222979899 | 1052871220 | 1052871220 |  | N/A |  |  |  | No | No |  |  |  |  | $8343.30 | $8343.30 | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $25548.00 | $3093.00 | $2129.00 | $257.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2024 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 45.07 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 222979900 | 1052871276 | 1052871276 |  | N/A |  |  |  | No | No |  |  |  |  | $1238.64 | $1238.64 | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $2937.96 | $915.96 | $244.83 | $76.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/15/2024 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.59 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 103.15 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 222979901 | 1052866392 | 1052866392 |  | N/A |  |  |  | No | No |  |  |  |  | $1948.99 | $1948.99 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $5189.28 | $2471.04 | $432.44 | $205.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/24/2024 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.83 |  |  |  |  |  |  |  | 02/01/2055 | $50751.86 | 15.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.48 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 222979909 | 240923511 | 240923511 |  | Non QM |  |  |  | Yes | No | $40435.00 | $55274.40 |  | 9.008% | $14475.29 | $14475.29 | 8.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $90411.45 | 1 | $34500.00 | $10771.80 | $2875.00 | $897.65 |  |  |  |  |  | 36.745% | 36.745% | 36.745% | 12/20/2024 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $40435.00 |  | 6.100% | $20000.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 02/01/2055 | $10250091.03 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 465.02 |  | No | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 222979910 | 241225795 | 241225795 |  | Non QM |  |  |  | Yes | No | $10142.13 | $12806.39 |  | 9.088% | $2796.72 | $2796.72 | 8.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7653.33 | 1 | $6216.24 | $2185.56 | $518.02 | $182.13 |  |  |  |  |  | 43.427% | 43.427% | 43.427% | 11/19/2024 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.010% | 49.990% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.01% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.01% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.01% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.01% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.01% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.01% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $10142.13 |  | 6.630% | $6500.00 |  |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 | $4699.29 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.47 |  | Yes | No | [redacted] | $7437.82 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 222979911 | 1052873139 | 1052873139 |  | Non QM |  |  |  | Yes | No | $36095.00 | $43478.19 |  | 8.338% | $8805.17 | $8805.17 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14811.37 | 1 | $19957.80 | $3659.28 | $1663.15 | $304.94 |  |  |  |  |  | 46.275% | 46.275% | 46.275% | 09/17/2024 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2024 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $36095.00 |  | 6.770% | $0.00 | 1 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 | $150000.00 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.41 |  |  | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 222979912 | 241225551 | 241225551 |  | Non QM |  |  |  | Yes | No | $24355.25 | $29103.44 |  | 8.408% | $4345.23 | $4345.23 | 7.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17525.01 | 1 | $9889.44 | $8796.96 | $824.12 | $733.08 |  |  |  |  |  | 34.364% | 34.364% | 34.364% | 12/03/2024 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 90.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | ClearEdge Lending | $24355.25 |  | 6.630% | $0.00 |  |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2065 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.43 |  |  | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 222979913 | 1052872767 | 1052872767 |  | Non QM |  |  |  | Yes | No | $22095.00 | $34544.19 |  | 8.136% | $15262.30 | $15262.30 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26415.00 | 1 | $38380.08 | $6984.96 | $3198.34 | $582.08 |  |  |  |  |  | 42.922% | 42.922% | 42.922% | 10/28/2024 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $22095.00 |  | 6.770% | $0.00 | 2 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.32 |  | Yes | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 222979914 | 241024786 | 241024786 |  | Non QM |  |  |  | Yes | No | $14194.00 | $18570.81 |  | 8.165% | $2526.82 | $2526.82 | 7.625% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8703.80 | 1 | $7444.20 | $2529.48 | $620.35 | $210.79 |  |  |  |  |  | 47.996% | 47.996% | 47.996% | 11/13/2024 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 64.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $14194.00 |  | 6.890% | $12600.00 | 1 |  |  |  | N/A | No | 7.625% | 2 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 | $117549.44 | 28.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.73 |  |  | No | [redacted] | $10786.72 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 222979915 | 241226039 | 241226039 |  | Non QM |  |  |  | Yes | No | $11227.75 | $14709.69 |  | 10.187% | $4728.16 | $4728.16 | 9.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $32218.41 | 1 | $8802.00 | $4484.04 | $733.50 | $373.67 |  |  |  |  |  | 27.808% | 27.808% | 27.808% | 12/28/2024 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $11227.75 |  | 6.900% | $15000.00 | 1 |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 | $83333.60 | 14.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.2 |  | No | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 222979916 | 241225876 | 241225876 |  | Non QM |  |  |  | Yes | No | $13233.25 | $16507.66 |  | 9.559% | $4866.13 | $4866.13 | 9.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7064.07 | 1 | $6011.64 | $6634.92 | $500.97 | $552.91 |  |  |  |  |  | 46.269% | 46.269% | 46.269% | 12/17/2024 | 635 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $13233.25 |  | 6.630% | $0.00 | 1.9 |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.75 |  |  | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 222979917 | 240923873 | 240923873 |  | Non QM |  |  |  | Yes | No | $34619.00 | $44316.19 |  | 6.730% | $18174.58 | $24787.13 | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $566906.82 | 1 | $73389.36 | $14247.96 | $6115.78 | $1187.33 |  |  |  |  |  | 10.235% | 9.188% | 10.235% | 09/12/2024 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 72 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 1999<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 1999<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 1999<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 1999<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 1999<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 1999 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $34619.00 |  | 6.040% | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 11/01/2054 | $171229.52 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.04 |  |  | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223089477 | 1052883974 | 1052883974 |  | Non QM |  |  |  | Yes | No | $15500.00 | $18917.32 |  | 8.150% | $5149.81 | $5149.81 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12565.58 | 1 | $6389.40 | $1188.96 | $532.45 | $99.08 |  |  |  |  |  | 31.660% | 31.660% | 31.660% | 10/01/2024 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $15500.00 |  | 6.890% | $0.00 | 2.9 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 | $183129.37 | 19.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.26 |  |  | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283412 | 250126072 | 250126072 |  | N/A |  |  |  | No | No |  |  |  |  | $1776.42 | $1776.42 | 7.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2389.44 | $1212.96 | $199.12 | $101.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/26/2024 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | 02/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.9 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283413 | 241225941 | 241225941 |  | N/A |  |  |  | No | No |  |  |  |  | $4454.98 | $4454.98 | 8.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6531.00 | $5109.00 | $544.25 | $425.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/05/2024 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.49 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223283414 | 250126429 | 250126429 |  | N/A |  |  |  | No | No |  |  |  |  | $2068.63 | $2068.63 | 8.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2611.68 | $2390.04 | $217.64 | $199.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/13/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  | 240 | 03/01/2055 | $93566.62 | 25.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.14 |  |  |  | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283416 | 241225893 | 241225893 |  | N/A |  |  |  | No | No |  |  |  |  | $962.50 | $962.50 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $1381.32 | $1247.04 | $115.11 | $103.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/20/2024 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 121.48 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223283417 | 241225517 | 241225517 |  | N/A |  |  |  | No | No |  |  |  |  | $971.59 | $971.59 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2471.64 | $3820.08 | $205.97 | $318.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/26/2024 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 84.87 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223283418 | 241125466 | 241125466 |  | N/A |  |  |  | No | No |  |  |  |  | $754.07 | $754.07 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1584.48 | $3749.88 | $132.04 | $312.49 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/26/2024 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 81.18 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223283420 | 250126497 | 250126497 |  | N/A |  |  |  | No | No |  |  |  |  | $2821.88 | $2821.88 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $3694.08 | $1950.36 | $307.84 | $162.53 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2024 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | 03/01/2055 | $46211.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.64 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283421 | 250226737 | 250226737 |  | N/A |  |  |  | No | No |  |  |  |  | $1371.55 | $1371.55 | 6.999% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2240.88 | $933.60 | $186.74 | $77.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/04/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 117.66 |  |  |  | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283422 | 250126681 | 250126681 |  | N/A |  |  |  | No | No |  |  |  |  | $2712.50 | $2712.50 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $2367.72 | $2772.96 | $197.31 | $231.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/29/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | 03/01/2055 | $260073.99 | 43.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.44 |  |  |  | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283425 | 250226698 | 250226698 |  | N/A |  |  |  | No | No |  |  |  |  | $1553.31 | $1553.31 | 6.999% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien | US Citizen |  |  |  |  |  |  |  | 1 | $3768.96 | $2100.48 | $314.08 | $175.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/10/2024 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 240 | 03/01/2055 | $130106.52 | 39.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 45.29 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223283429 | 250226981 | 250226981 |  | N/A |  |  |  | No | No |  |  |  |  | $2272.89 | $2272.89 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | $6736.08 | $2541.00 | $561.34 | $211.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/14/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  | 240 | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.73 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
| 223283430 | 241225719 | 241225719 |  | N/A |  |  |  | No | No |  |  |  |  | $2849.03 | $2849.03 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $8206.44 | $8033.76 | $683.87 | $669.48 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/13/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.35 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
| 223283431 | 1052883944 | 1052883944 |  | N/A |  |  |  | No | No |  |  |  |  | $1174.02 | $1174.02 | 8.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1803.60 | $3264.96 | $150.30 | $272.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/03/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | 02/01/2055 | $8456.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 3.6 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
| 223283432 | 1052884008 | 1052884008 |  | N/A |  |  |  | No | No |  |  |  |  | $4694.30 | $4694.30 | 8.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | $16826.76 | $4538.04 | $1402.23 | $378.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/07/2024 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.66 |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.68 |  |  |  | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283433 | 1052924524 | 1052924524 |  | N/A |  |  |  | No | No |  |  |  |  | $4666.74 | $4666.74 | 8.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | $8077.56 | $5601.00 | $673.13 | $466.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/15/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | 04/01/2055 | $831225.02 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 103.08 |  |  |  | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283435 | 1052894361 | 1052894361 |  | Non QM |  |  |  | Yes | No | $53611.00 | $13656.81 |  | 8.819% | $14966.19 | $14966.19 | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20994.05 | 1 | $32683.44 | $654.00 | $2723.62 | $54.50 |  |  |  |  |  | 46.825% | 46.825% | 46.825% | 10/07/2024 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $53611.00 |  | 6.980% | $715000.00 | 2.6 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 | $45023.62 | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.01 |  |  | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283436 | 1052883490 | 1052883490 |  | Non QM |  |  |  | Yes | No | $10216.40 | $12573.75 |  | 10.559% | $3835.31 | $3835.31 | 10.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15392.93 | 1 | $6015.48 | $706.56 | $501.29 | $58.88 |  |  |  |  |  | 48.690% | 48.690% | 48.690% | 11/13/2024 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $10216.40 |  | 6.890% | $2000.00 | 3 |  |  |  | Yes | No | 10.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $162922.68 | 30.000% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.46 |  | No | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283438 | 250126162 | 250126162 |  | Non QM |  |  |  | Yes | No | $12149.00 | $14030.03 |  | 7.884% | $3680.53 | $3680.53 | 7.625% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6453.77 | 1 | $5225.04 | $7314.96 | $435.42 | $609.58 |  |  |  |  |  | 49.164% | 49.164% | 49.164% | 01/07/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 62.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $12149.00 |  | 6.870% | $5000.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $234389.56 | 35.000% | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.08 |  |  | No | [redacted] | $0.00 | $2960.27 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283439 | 250126297 | 250126297 |  | Non QM |  |  |  | Yes | No | $17749.00 | $20761.89 |  | 7.126% | $5255.43 | $5255.43 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35434.30 | 1 | $5021.40 | $13788.24 | $418.45 | $1149.02 |  |  |  |  |  | 39.498% | 39.498% | 39.498% | 02/12/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $17749.00 |  | 6.870% | $0.00 | 1.9 | DU |  | ApproveEligible | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $50000.00 | 4.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.48 |  |  | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283441 | 250226743 | 250226743 |  | Non QM |  |  |  | Yes | No | $43440.90 | $55969.59 |  | 7.986% | $16496.68 | $16496.68 | 7.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29247.20 | 3 | $35979.36 | $1296.00 | $2998.28 | $108.00 |  |  |  |  |  | 48.644% | 48.644% | 48.644% | 02/04/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $43440.90 |  | 6.920% | $9390.00 |  | DU |  | ApproveIneligible | N/A | No | 7.750% | 2 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $757752.67 | 26.000% | No |  | 26 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.53 |  | Yes | No | [redacted] | $0.00 | $35283.27 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283442 | 250226720 | 250226720 |  | N/A |  |  |  | No | No | $25817.63 | $27696.27 |  | 9.302% | $12007.84 | $12007.84 | 9.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $72881.01 | 1 | $18413.16 | $7065.00 | $1534.43 | $588.75 |  |  |  |  |  | 29.410% | 29.410% | 29.410% | 01/20/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2010 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $25817.63 |  | 6.920% | $0.00 | 1.4 |  |  |  | No | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2065 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.12 |  |  | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283446 | 250126679 | 250126679 |  | Non QM |  |  |  | Yes | No | $8874.00 | $11404.72 |  | 7.833% | $2490.95 | $2490.95 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28853.64 | 1 | $8422.56 | $4745.04 | $701.88 | $395.42 |  |  |  |  |  | 45.016% | 45.016% | 45.016% | 02/03/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $8874.00 |  | 6.880% | $4000.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $790040.85 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 152.06 |  | No | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283447 | 250226931 | 250226931 |  | Non QM |  |  |  | Yes | No | $15055.96 | $20051.58 |  | 7.887% | $10786.27 | $10786.27 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $69710.45 | 1 | $23524.92 | $1752.96 | $1960.41 | $146.08 |  |  |  |  |  | 20.074% | 20.074% | 20.074% | 02/26/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2018<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2009 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $15055.96 |  | 6.850% | $36347.00 | 2.1 | DU |  | ApproveIneligible | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $383955.00 | 20.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.1 |  |  | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283449 | 250126648 | 250126648 |  | Non QM |  |  |  | Yes | No | $29011.48 | $30005.21 |  | 8.896% | $4875.64 | $4875.64 | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13848.00 | 1 | $11320.08 | $1681.56 | $943.34 | $140.13 |  |  |  |  |  | 37.860% | 37.860% | 37.860% | 01/24/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $29011.48 |  | 6.850% | $30000.00 | 1.7 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $182502.05 | 24.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.2 |  |  | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283453 | 250227212 | 250227212 |  | Non QM |  |  |  | Yes | No | $16599.00 | $20951.75 |  | 7.224% | $3547.42 | $3547.42 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14076.96 | 1 | $10730.88 | $4574.52 | $894.24 | $381.21 |  |  |  |  |  | 36.556% | 36.556% | 36.556% | 02/25/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $16599.00 |  | 6.730% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $97029.85 | 14.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.74 |  | No | No | [redacted] | $11094.08 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223283456 | 250126220 | 250126220 |  | N/A |  |  |  | No | No | $23446.50 | $11215.86 |  | 8.025% | $10246.05 | $10246.05 | 7.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23958.83 | 4 | $21133.68 | $2745.12 | $1761.14 | $228.76 |  |  |  |  |  | 47.327% | 47.327% | 47.327% | 11/26/2024 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $23446.50 |  | 6.850% | $0.00 |  |  |  |  | No | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $1134000.39 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 95.96 |  |  | No | [redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| 223456769 | 1052753061 | 1052753061 |  | N/A |  |  |  | No | No |  |  |  |  | $1014.21 | $1014.21 | 8.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | $951.00 | $2372.76 | $79.25 | $197.73 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2024 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | 08/01/2054 | $126451.80 | 70.000% | No |  |  |  |  | Yes | Commitment | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.64 |  |  |  | [redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |

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![](tm2517341d1_ex99-1img001.jpg)

**ASF Addendum - Business Purpose**

**Run Date - 6/5/2025 10:55:10 AM** 

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** |
| 222663255 | 240923602 | 240923602 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1575.00 | Rent on Existing Lease | $1143.41 |  | 0.000000 | 0.72 |  |  | 1.37 | 1.37 | $1143.41 |  |  | Yes | 08/01/2024 | 07/31/2025 | 12 | Long Term | $1575.00 | $1575.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $198.03 | $63.30 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.31 |  |  | 671 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222979896 | 241225707 | 241225707 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1400.00 | Third Party Rental Source | $1370.56 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $1370.56 |  |  | Yes | 01/01/2025 | 05/30/2025 | 4 | Long Term | $1800.00 | $1400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $26000.00 |  |  | $138.47 | $103.17 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 12.49 |  |  | 715 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222979897 | 241225737 | 241225737 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3850.00 | Third Party Rental Source | $3754.91 |  | 0.000000 | 0.98 |  |  | 1.03 | 1.03 | $3754.91 |  |  | Yes | 11/01/2024 | 11/01/2025 | 12 | Long Term | $4200.00 | $3850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $19750.00 |  |  | $519.05 | $281.17 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor | 3.75 | US Citizen |  | 709 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/21/2024 | 729 | Fair Isaac (VER. 2) | 690 | FICO Classic V5 Facta | 709 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222979898 | 241225761 | 241225761 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1400.00 | Rent on Existing Lease | $1368.65 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $1368.65 |  |  | Yes | 09/01/2021 | 08/31/2026 | 60 | Long Term | $1400.00 | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $8400.00 |  |  | $75.87 | $70.42 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 14.85 |  | US Citizen | 625 |  |  |  |  | 0 | 0 | 0 | 1 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/12/2024 | 612 | Fair Isaac (VER. 2) | 625 | FICO Classic V5 Facta | 660 | FICO Risk Score Classic 04 |  |  |  |  |  |
| 222979899 | 1052871220 | 1052871220 |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $12600.00 | Third Party Rental Source | $10730.05 |  | 0.000000 | 0.85 |  |  | 1.17 | 1.17 | $10730.05 |  |  | No |  |  |  | Long Term |  | $4200.00 | No |  |  |  | Long Term |  | $4200.00 | No |  |  |  | Long Term |  | $4200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $76000.00 |  |  | $2129.00 | $257.75 | Level 4-Stated/Verified as defined | No | 1 | 11 | No |  |  | Experienced Investor | 3.95 |  |  | 744 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222979900 | 1052871276 | 1052871276 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2600.00 | Third Party Rental Source | $1559.80 |  | 0.000000 | 0.59 |  |  | 1.66 | 1.66 | $1559.80 |  |  | Yes | 08/01/2024 | 07/30/2025 | 11 | Long Term | $1500.00 | $1300.00 | Yes | 01/01/2025 | 12/30/2026 | 23 | Long Term | $1300.00 | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $20500.00 |  |  | $244.83 | $76.33 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 1.38 |  | US Citizen | 714 |  |  |  |  | 0 | 0 | 0 | 1 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/15/2024 | 772 | Fair Isaac (VER. 2) | 714 | FICO Classic V5 Facta | 681 | FICO Risk Score Classic 04 |  |  |  |  |  |
| 222979901 | 1052866392 | 1052866392 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3084.00 | Rent on Existing Lease | $2587.35 |  | 0.000000 | 0.83 |  |  | 1.19 | 1.19 | $2587.35 |  |  | Yes | 08/01/2024 | 08/01/2025 | 12 | Long Term | $1500.00 | $1600.00 | Yes | 04/01/2024 | 04/01/2025 | 12 | Long Term | $1584.00 | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30000.00 |  |  | $432.44 | $205.92 | Level 4-Stated/Verified as defined | No | 1 | 9 | No |  |  | Experienced Investor |  |  |  | 715 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283412 | 250126072 | 250126072 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $2357.50 | Third Party Rental Source | $2076.62 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $2076.62 |  |  | Yes | 12/01/2024 | 11/30/2025 | 12 | Long Term | $2450.00 | $2357.50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $318600.00 |  |  | $199.12 | $101.08 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 4.57 | US Citizen |  | 679 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/26/2024 | 679 | Fair Isaac (VER. 2) | 676 | Beacon 5 | 695 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283413 | 241225941 | 241225941 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $7000.00 | Rent on Existing Lease | $5424.98 |  | 0.000000 | 0.77 |  |  | 1.29 | 1.29 | $5424.98 |  |  | Yes | 10/01/2024 | 10/31/2025 | 13 | Long Term | $7000.00 | $7000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $44440.00 |  |  | $544.25 | $425.75 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 1.21 |  |  | 801 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283414 | 250126429 | 250126429 |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2750.00 | Third Party Rental Source | $2485.44 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $2485.44 |  |  | No |  |  |  | Long Term |  | $2750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $38910.00 |  |  | $217.64 | $199.17 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 683 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 01/13/2025 | 683 | Fair Isaac (VER. 2) | 649 | Beacon 5 | 686 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283416 | 241225893 | 241225893 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1300.00 | Third Party Rental Source | $1181.53 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $1181.53 |  |  | Yes | 12/28/2024 | 12/31/2025 | 12 | Long Term | $1350.00 | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22130.00 |  |  | $115.11 | $103.92 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 733 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/20/2024 | 764 | Fair Isaac (VER. 2) | 733 | FICO Classic V5 Facta | 732 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283417 | 241225517 | 241225517 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1500.00 | Rent on Existing Lease | $1495.90 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1495.90 |  |  | Yes | 02/01/2024 | 01/31/2025 | 12 | Long Term | $1500.00 | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30000.00 |  |  | $205.97 | $318.34 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 1.89 |  |  | 707 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283418 | 241125466 | 241125466 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1200.00 | Rent on Existing Lease | $1198.60 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1198.60 |  |  | Yes | 08/01/2023 | 09/01/2023 | 1 | Long Term | $1200.00 | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30000.00 |  |  | $132.04 | $312.49 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 1.89 |  |  | 707 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283420 | 250126497 | 250126497 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3335.00 | Third Party Rental Source | $3292.25 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $3292.25 |  |  | Yes | 02/15/2025 | 07/15/2026 | 17 | Long Term | $4000.00 | $3335.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $307.84 | $162.53 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 0.78 | US Citizen |  | 703 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/21/2024 | 703 | Fair Isaac (VER. 2) | 689 | FICO Classic V5 Facta | 703 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283421 | 250226737 | 250226737 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1850.00 | Third Party Rental Source | $1636.09 |  | 0.000000 | 0.88 |  |  | 1.13 | 1.13 | $1636.09 |  |  | Yes | 01/10/2025 | 12/31/2025 | 11 | Long Term | $1900.00 | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $186.74 | $77.80 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  | No | Experienced Investor | 0.25 |  | US Citizen | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/04/2025 | 798 | Fair Isaac (VER. 2) | 783 | FICO Classic V5 Facta | 770 | FICO Risk Score Classic 04 |  |  |  |  |  |
| 223283422 | 250126681 | 250126681 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3200.00 | Multiple Sources | $3140.89 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $3140.89 |  |  | No |  |  |  | Long Term |  | $2300.00 | Yes | 02/25/2025 | 02/24/2026 | 12 | Long Term | $900.00 | $1000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22000.00 |  |  | $197.31 | $231.08 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 715 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 01/29/2025 | 715 | Fair Isaac (VER. 2) | 711 | FICO Classic V5 Facta | 728 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283425 | 250226698 | 250226698 |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2100.00 | Third Party Rental Source | $2042.43 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $2042.43 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30003.00 |  |  | $314.08 | $175.04 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No | No | Experienced Investor |  | Non-Permanent Resident Alien | US Citizen | 765 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | Non-Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | 12/10/2024 | 765 | Fair Isaac (VER. 2) | 772 | FICO Classic V5 Facta | 755 | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 01/31/2025 | 774 | Fair Isaac (VER. 2) | 0 |  | 760 | FICO Risk Score Classic 04 |  |  |  |  |  |
| 223283429 | 250226981 | 250226981 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $3200.00 | Rent on Existing Lease | $3045.98 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $3045.98 |  |  | Yes | 02/01/2025 | 12/31/2025 | 11 | Long Term | $3200.00 | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  | $561.34 | $211.75 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 2.37 | US Citizen |  | 680 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/14/2025 | 686 | Fair Isaac (VER. 2) | 675 | FICO Classic V5 Facta | 680 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283430 | 241225719 | 241225719 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $5000.00 | Third Party Rental Source | $4202.38 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $4202.38 |  |  | Yes | 08/01/2024 | 08/01/2025 | 12 | Long Term | $5400.00 | $2800.00 | Yes | 10/01/2023 | 10/01/2025 | 24 | Long Term | $5250.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $32640.00 |  |  | $683.87 | $669.48 | Level 4-Stated/Verified as defined | No | 1 | 8 | No | No |  | Experienced Investor | 2.66 | US Citizen |  | 749 |  |  |  |  | 2 | 0 | 0 | 2 | 0 | 0 |  |  | Individual | Individual |  |  |  | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/13/2025 | 749 | Fair Isaac (VER. 2) | 751 | FICO Classic V5 Facta | 717 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283431 | 1052883944 | 1052883944 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $1600.00 | Rent on Existing Lease | $1596.40 |  | 0.000000 | 0.99 |  |  | 1.00 | 1 | $1596.40 |  |  | Yes | 05/17/2024 | 05/31/2025 | 12 | Long Term | $1600.00 | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $9600.00 |  |  | $150.30 | $272.08 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 0.95 |  |  | 684 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283432 | 1052884008 | 1052884008 |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | $9750.00 | Rent on Existing Lease | $6474.70 |  | 0.000000 | 0.66 |  |  | 1.50 | 1.5 | $6474.70 |  |  | Yes | 05/01/2024 | 04/30/2026 | 24 | Long Term | $2150.00 | $2200.00 | Yes | 03/01/2024 | 02/28/2025 | 12 | Long Term | $2400.00 | $2500.00 | Yes | 07/01/2024 | 07/30/2026 | 24 | Long Term | $2600.00 | $3500.00 | Yes | 09/01/2024 | 08/31/2025 | 12 | Long Term | $2600.00 | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $50000.00 |  |  | $1402.23 | $378.17 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 19.28 | US Citizen |  | 654 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/07/2024 | 605 | Fair Isaac (VER. 2) | 663 | FICO Classic V5 Facta | 654 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283433 | 1052924524 | 1052924524 |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $7800.00 | Third Party Rental Source | $5806.62 |  | 0.000000 | 0.74 |  |  | 1.34 | 1.34 | $5806.62 |  |  | No |  |  |  | Long Term |  | $2200.00 | No |  |  |  | Long Term |  | $2200.00 | No |  |  |  | Long Term |  | $1700.00 | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $87350.00 |  |  | $673.13 | $466.75 | Level 1-Not Stated/Not Verified | No | 1 | 10 | No |  |  | Experienced Investor |  |  |  | 683 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283442 | 250226720 | 250226720 |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $14656.02 |  | 0.294104 |  |  |  |  |  | $14656.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1534.43 | $588.75 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 0.97 | US Citizen |  | 669 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/20/2025 | 622 | Fair Isaac (VER. 2) | 692 | FICO Classic V5 Facta | 669 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283456 | 250126220 | 250126220 |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | $12235.95 |  | 0.473270 |  |  |  |  |  | $12235.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1761.14 | $228.76 | Level 3-Stated/Partially Verified |  |  |  | No | No |  |  | 2.25 | US Citizen |  | 733 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual | Employed |  |  | 13 | US Citizen |  |  | Level 3-Stated/Partially Verified | 11/26/2024 | 722 | Fair Isaac (VER. 2) | 733 | FICO Classic V5 Facta | 746 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223456769 | 1052753061 | 1052753061 |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | $2000.00 | Third Party Rental Source | $1321.19 |  | 0.000000 | 0.66 |  |  | 1.51 | 1.51 | $1321.19 |  |  | No |  |  |  | Long Term |  | $1000.00 | No |  |  |  | Long Term |  | $1000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $50000.00 |  |  | $79.25 | $197.73 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 726 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 06/21/2024 | 715 | Fair Isaac (VER. 2) | 758 | FICO Classic V5 Facta | 726 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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| **SitusAMC Loan ID** | **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** |
| 222663255 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | 09/13/2024 | 671 | Fair Isaac (VER. 2) | 664 | FICO Classic V5 Facta | 671 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $235000.00 | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 62.128% | $235000.00 |  |  | 100.000% | $146000.00 |  |  |  |  |  |  |  |  |  |  |
| 222979896 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse |  | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | 12/06/2024 | 715 | Fair Isaac (VER. 2) | 711 | FICO Classic V5 Facta | 720 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $185500.00 | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 74.798% | $185500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222979897 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $620000.00 | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | $620000.00 |  |  | 125.676% | $370000.00 |  |  |  |  |  |  |  |  |  |  |
| 222979898 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $390000.00 | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 41.795% | $390000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222979899 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 12 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | 11/12/2024 | 740 | Fair Isaac (VER. 2) | 766 | FICO Classic V5 Facta | 744 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1760000.00 | 3 |  |  |  |  | C1 |  |  |  |  |  |  |  |  |  | 75.000% | $1760000.00 |  |  | 406.154% | $325000.00 |  |  |  |  |  |  |  |  |  |  |
| 222979900 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $238000.00 | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 73.529% | $238000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222979901 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 51.00% | Full Recourse | 5 | US Citizen |  |  | Level 3-Stated/Partially Verified |  |  | Classic | 09/24/2024 | 737 | Fair Isaac (VER. 2) | 682 | FICO Classic V5 Facta | 715 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $350000.00 | 2 |  |  |  |  | Good |  |  |  |  |  |  |  |  |  | 76.800% | $350000.00 |  |  | 76.800% |  |  | 76.800% |  |  |  |  |  |  |  |  |
| 223283412 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $350000.00 | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | $350000.00 |  |  | 148.485% | $165000.00 |  |  |  |  |  |  |  |  |  |  |
| 223283413 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 50.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | 11/05/2024 | 791 | Fair Isaac (VER. 2) | 801 | FICO Classic V5 Facta | 822 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $800000.00 | 1 |  |  |  |  | C2 |  |  |  |  |  |  |  |  |  | 75.000% | $800000.00 |  |  | 363.636% | $165000.00 |  |  |  |  |  |  |  |  |  |  |
| 223283414 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $370500.00 | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 76.987% | $385000.00 |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 223283416 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $222000.00 | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 69.369% | $222000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283417 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | 11/26/2024 | 734 | Fair Isaac (VER. 2) | 679 | FICO Classic V5 Facta | 707 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $210000.00 | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 63.810% | $210000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283418 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | 11/26/2024 | 734 | Fair Isaac (VER. 2) | 679 | FICO Classic V5 Facta | 707 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $155000.00 | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 67.097% | $155000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $602000.00 | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | $602000.00 |  |  | 78.618% | $574299.00 |  |  |  |  |  |  |  |  |  |  |
| 223283421 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $274900.00 | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 75.000% | $274900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283422 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $600000.00 | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 70.000% | $600000.00 |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| 223283425 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $332900.00 | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 79.499% | $335000.00 |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 223283429 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $511000.00 | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 70.000% | $511000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283430 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $550000.00 | 2 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 75.000% | $550000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283431 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified |  |  | Classic | 01/03/2025 | 698 | Fair Isaac (VER. 2) | 635 | FICO Classic V5 Facta | 684 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $200000.00 | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | 80.000% | $200000.00 |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 223283432 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1260000.00 | 4 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 46.825% | $1260000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283433 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined |  |  | Classic | 01/15/2025 | 683 | Fair Isaac (VER. 2) | 683 | FICO Classic V5 Facta | 721 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $800000.00 | 4 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | 71.856% | $835000.00 |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 223283442 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $2050000.00 | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  |  | $2050000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223283456 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $1995000.00 | 4 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | $1995000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223456769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $180000.00 | 2 |  |  |  |  | Average |  |  |  |  |  |  |  |  |  | 75.000% | $180000.00 |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |

---

## Exhibit 99.2

**Exhibit 99.2**

![](tm2517341d1_ex99-2img01.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Santander Bank N.A. (the "Client"). The review was conducted between October 24 2024 and April 15 2025 via files imaged and provided for review (the "Review").

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 57 Non-QM loans and 30 ATR-QM exempt loans for a total of 87 loans the "Final Securitization Population".

*<u>Credit Reviews (87):</u>*

During the Review, Selene performed a credit review on 87 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (87)</u>*

During the Review, Selene performed a compliance review when applicable on 87 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (87):</u>*

During the Review, Selene performed a property valuation review on 87 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (87):</u>*

During the Review, Selene performed a Data Integrity Review on 87 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 87 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;87 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;87 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;87 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;87 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E, S&P Global Ratings ("S&P") (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

LoanStream One Guide, Kind Lending Non-Agency Program Guidelines, Easy Street Easy Rent DSCR Guidelines (collectively the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **16**

**<u>SCOPE OF REVIEW</u>**

Selene 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. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Assessed whether the characteristics of the
mortgage loans and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analyzed asset statements to determine whether
funds to close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;· **Original Appraisal Assessment** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **16**

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Tape data received from lender/client is stored in a secured FTP folder;

· Tape data is uploaded into the application;

· Loan Reviewer collects validated loan data;

· Each received data point is compared to its counterpart collected data point; and

· Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 87 mortgage loans, (ii) a Compliance Review on 87 mortgage loans (iii) a Valuation Review on 87 mortgage loans, and (iv) a Data Integrity Review on 87 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 87 mortgage loans; 83 mortgage loans had a rating grade of A, 4 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (87 overall loans):***

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;24 | &nbsp;&nbsp;27.59% | &nbsp;&nbsp;A | &nbsp;&nbsp;83 | &nbsp;&nbsp;95.40% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.15% | &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.60% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;19 | &nbsp;&nbsp;21.84% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;43 | &nbsp;&nbsp;49.43% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **16**

***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO**<br> **Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;85 | &nbsp;&nbsp;97.70% | &nbsp;&nbsp;A | &nbsp;&nbsp;85 | &nbsp;&nbsp;97.70% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.30% | &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.30% |
| &nbsp;&nbsp;C | &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;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;87 | &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% |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene 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 all applicable laws 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 Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Page **5** of **16**

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene 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. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. 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 Selene 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 Selene 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. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page **6** of **16**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page **7** of **16**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

2. Reviewed for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

Page **8** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed in the loan file;

4. Reviewed for any employment issues and confirm that any issues have been addressed in the loan file;

5. Reviewed for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have been addressed in the loan file; and

6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

Page **9** of **16**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **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> 

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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> 

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

ii) proper execution by all required parties;

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

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

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

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> 

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> 

i) APR threshold test; and <br> 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> 

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.

Page **10** of **16**

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

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

**2.** **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> 

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 completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

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

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

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

vii) 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> 

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

Page **11** of **16**

**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act 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)); and

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

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

Selene 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.

Selene 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"). Selene 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. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

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

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **16**

**SCHEDULE I**

**<u>Selene tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.</u>**

**(Below are state regulations which test specifically for high cost, higher priced, and anti-predatory lending.)**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage
Broker/Lender License-Mortgage Lending Regulation License Registered Depository Institution Registration

3. AR Home Loan Protection Act

4. AZ Mortgage Banker & Broker License-Consumer Lender License

5. CA AB 489/344 (Division 1.6 of the Financial Code)

6. CO Consumer Equity Protection Article

7. CO Consumer Credit Code

8. DE Licensed Lender License Broker License Lender License

9. Washington, DC Home Loan Protection Act of 2002

10. Washington, DC Mortgage Disclosure Act of 2007

11. FL Fair Lending Act

12. GA Fair Lending Act (pre- and post-amendments)

13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator Company License

14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

15. IN Home Loan Practices Article

16. IA Mortgage Banker License
Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License- Master Loan Company
Registration Nonprofit Mortgage Banker Registrant

17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

19. MA Mortgage Lender and Broker Regulations

20. MD Commercial Law amended by Maryland Senate Bill 270

21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

22. MI Consumer Mortgage Protection Act

23. MN Mortgage Originator and Servicer Licensing Act

24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

25. MO Mortgage Company License

26. MT - Consumer Loan License -
Residential Mortgage Lender License-Mortgage Broker License Mortgage Lender License

27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

28. ND Money Broker License

29. NE Mortgage Bankers Registration and Licensing Act

30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

Page **13** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

33. OH Consumer Sales Practices Act

34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

35. Summit County, OH Consumer Affairs Board Ordinance

36. Summit County, OH Consumer Protection Ordinance

37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

39. PA Consumer Equity Protection Act

40. RI Home Loan Protection Act and Regulation 3

41. SD Mortgage Lender License – Mortgage Broker License

42. TN Home Loan Protection Act

43. UT Residential Mortgage Practices and Licensing Act

44. VA Mortgage Lender and Broker Act

45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage Broker License

46. WV Residential Mortgage Lender, Broker and Servicer Act

47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;48. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

49. CT Abusive Home Lending Practices Act

50. CT Nonprime Home Loans Statute

51. IL Office of Banks and Real Estate High Risk Home Loan Regulations

52. IL High Risk Home Loan ActL Predatory Lending Database Program

53. Chicago, IL Predatory Lending Ordinance

54. Cook County, IL Predatory Lending Ordinance

55. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

56. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

57. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced Mortgage Loan Provisions - MA "Borrower's Interest" Standard

58. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

59. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

60. NV Unfair Lending Practices Act – Anti Predatory Lending Law

61. NY GRBB Part 41 (pre- and post-amendments)

62. NY Banking Law 6-L

63. NY Banking Law 6-M

64. OH Anti - Predatory Lending Act (pre- and post-amendments)

65. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

66. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

67. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

Page **14** of **16**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;68. TX Home Loan and High Cost Home Loan Act

69. UT High Cost Home Loan Act

70. VT High Rate Loans

71. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

72. WI Responsible High Cost Mortgage Lending Act

Page **15** of **16**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified 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; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

o Selene is not an 'AMC' (appraisal management company)
and therefore Selene does not opine on the actual value of the underlying property.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **16** of **16**

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| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| xxxxxx0474 |  | XXXX | XXXX D C A |
| xxxxxx0849 |  | XXXX | XXXX D A |
| xxxxxx8670 |  | XXXX | XXXX C D A |
| xxxxxx6381 |  | XXXX | XXXX A C |
| xxxxxx9417 |  | XXXX | XXXX C A |
| xxxxxx8514 |  | XXXX | XXXX C A |
| xxxxxx0898 |  | XXXX | XXXX A |
| xxxxxx2274 |  | XXXX | XXXX A |
| xxxxxx1097 |  | XXXX | XXXX D A |
| xxxxxx7215 |  | XXXX | XXXX C D A B |
| xxxxxx5822 |  | XXXX | XXXX D A |
| xxxxxx7850 |  | XXXX | XXXX C D A |
| xxxxxx8533 |  | XXXX | XXXX D A |
| xxxxxx9587 |  | XXXX | XXXX A D |
| xxxxxx9712 |  | XXXX | XXXX D A |
| xxxxxx0498 |  | XXXX | XXXX A |
| xxxxxx9782 |  | XXXX | XXXX D A |
| xxxxxx0101 |  | XXXX | XXXX A |
| xxxxxx0897 |  | XXXX | XXXX C A |
| xxxxxx1498 |  | XXXX | XXXX C A |
| xxxxxx0284 |  | XXXX | XXXX C A |
| xxxxxx1164 |  | XXXX | XXXX A |
| xxxxxx8898 |  | XXXX | XXXX D A |
| xxxxxx8079 |  | XXXX | XXXX C D A |
| xxxxxx1475 |  | XXXX | XXXX C D A |
| xxxxxx1434 |  | XXXX | XXXX C A |
| xxxxxx9838 |  | XXXX | XXXX D A |
| xxxxxx7346 |  | XXXX | XXXX D A |
| xxxxxx0333 |  | XXXX | XXXX D C A |
| xxxxxx6695 |  | XXXX | XXXX C A D |
| xxxxxx9583 |  | XXXX | XXXX D A |
| xxxxxx1462 |  | XXXX | XXXX C A |
| xxxxxx1846 |  | XXXX | XXXX C D A |
| xxxxxx9629 |  | XXXX | XXXX C D A |
| xxxxxx7563 |  | XXXX | XXXX C A |
| xxxxxx1813 |  | XXXX | XXXX A |
| xxxxxx9930 |  | XXXX | XXXX A C |
| xxxxxx0331 |  | XXXX | XXXX C A D B |
| xxxxxx7757 |  | XXXX | XXXX C D A |
| xxxxxx1003 |  | XXXX | XXXX C A |
| xxxxxx8948 |  | XXXX | XXXX D A |
| xxxxxx7468 |  | XXXX | XXXX A |
| xxxxxx8106 |  | XXXX | XXXX D A |
| xxxxxx0826 |  | XXXX | XXXX D B A |
| xxxxxx6708 |  | XXXX | XXXX C A |
| xxxxxx0325 |  | XXXX | XXXX C D A |
| xxxxxx0981 |  | XXXX | XXXX D C A |
| xxxxxx7823 |  | XXXX | XXXX D A |
| xxxxxx6556 |  | XXXX | XXXX D A |
| xxxxxx1521 |  | XXXX | XXXX D A |
| xxxxxx1406 |  | XXXX | XXXX A |
| xxxxxx6562 |  | XXXX | XXXX D A |
| xxxxxx1104 |  | XXXX | XXXX C A |
| xxxxxx6563 |  | XXXX | XXXX D A |
| xxxxxx0469 |  | XXXX | XXXX C A |
| xxxxxx0483 |  | XXXX | XXXX D C A |
| xxxxxx9094 |  | XXXX | XXXX A |
| xxxxxx0580 |  | XXXX | XXXX A |
| xxxxxx0023 |  | XXXX | XXXX A D |
| xxxxxx9404 |  | XXXX | XXXX D A |
| xxxxxx9323 |  | XXXX | XXXX C D A |
| xxxxxx7746 |  | XXXX | XXXX C A |
| xxxxxx9305 |  | XXXX | XXXX D A |
| xxxxxx9634 |  | XXXX | XXXX A |
| xxxxxx7067 |  | XXXX | XXXX A |
| xxxxxx9293 |  | XXXX | XXXX A D |
| xxxxxx8431 |  | XXXX | XXXX A D |
| xxxxxx8123 |  | XXXX | XXXX A |
| xxxxxx8707 |  | XXXX | XXXX A |
| xxxxxx9578 |  | XXXX | XXXX C A |
| xxxxxx8494 |  | XXXX | XXXX D A |
| xxxxxx1028 |  | XXXX | XXXX A |
| xxxxxx8288 |  | XXXX | XXXX C A |
| xxxxxx8438 |  | XXXX | XXXX A |
| xxxxxx9934 |  | XXXX | XXXX A B |
| xxxxxx8312 |  | XXXX | XXXX A |
| xxxxxx9379 |  | XXXX | XXXX A |
| xxxxxx9893 |  | XXXX | XXXX A |
| xxxxxx9223 |  | XXXX | XXXX C A |
| xxxxxx9385 |  | XXXX | XXXX A |
| xxxxxx9814 |  | XXXX | XXXX A |
| xxxxxx8880 |  | XXXX | XXXX C D A |
| xxxxxx6054 |  | XXXX | XXXX A C |
| xxxxxx9014 |  | XXXX | XXXX A |
| xxxxxx0906 |  | XXXX | XXXX D A |
| xxxxxx8142 |  | XXXX | XXXX A |
| xxxxxx9406 |  | XXXX | XXXX A |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| XXXX | xxxxxx0474 |  |  | Closed | 2024-10-26 16:20 | 2024-11-01 13:37 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Cleared after entering in PCCD - Due Diligence Vendor-11/01/2024 <br> Ready for Review-Document Uploaded. PCCD to evidence XXXX disbursement date - Seller-10/31/2024 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). 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) Disbursement should be happen after rescission date (XXXX) but per final CD disbursement date is XXXX. - Due Diligence Vendor-10/26/2024 | Ready for Review-Document Uploaded. PCCD to evidence XXXX disbursement date - Seller-10/31/2024 | Resolved-Cleared after entering in PCCD - Due Diligence Vendor-11/01/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2689116 | N/A | N/A |
| XXXX | xxxxxx0474 |  |  | Closed | 2024-10-26 14:42 | 2024-11-01 13:18 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-11/01/2024 <br> Ready for Review-Document Uploaded. Final Title Policy - Seller-10/31/2024 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount $XXXX - Due Diligence Vendor-10/26/2024 | Ready for Review-Document Uploaded. Final Title Policy - Seller-10/31/2024<br>| Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-11/01/2024 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2688869 | N/A | N/A |
| XXXX | xxxxxx0474 |  |  | Closed | 2024-10-26 14:35 | 2024-11-01 08:48 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document uploaded, verified & entered in System - Resolved. <br> - Due Diligence Vendor-11/01/2024 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/01/2024 <br>Ready for Review-Document Uploaded. 1008 - Seller-10/31/2024 <br>Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-10/26/2024 | Ready for Review-Document Uploaded. 1008 - Seller-10/31/2024<br>| Resolved-1008 document uploaded, verified & entered in System - Resolved. <br> - Due Diligence Vendor-11/01/2024 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/01/2024<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2688854 | N/A | N/A |
| XXXX | xxxxxx0474 |  |  | Closed | 2024-10-26 16:20 | 2024-10-31 13:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.075%) equals or exceeds the California HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.12%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#427 and the Final Closing disclosure on Pg#239 reflects escrows. Rate lock date was entered correctly see Pg#379 An interior and exterior appraisal was completed for this property – see Page#24-54 the appraisal disclosure was provided to the borrower(s)- see Pg#21 and copy of the appraisal was given to the borrower see Pg#22for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-10/26/2024 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.075%) equals or exceeds the California HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.12%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#427 and the Final Closing disclosure on Pg#239 reflects escrows. Rate lock date was entered correctly see Pg#379 An interior and exterior appraisal was completed for this property – see Page#24-54 the appraisal disclosure was provided to the borrower(s)- see Pg#21 and copy of the appraisal was given to the borrower see Pg#22for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-10/26/2024<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2689114 | N/A | N/A |
| XXXX | xxxxxx0474 |  |  | Closed | 2024-10-26 16:20 | 2024-10-31 13:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.075%) APR equals or exceeds the Federal HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#427 and the Final Closing disclosure on Pg#239 reflects escrows. Rate lock date was entered correctly see Pg#379 An interior and exterior appraisal was completed for this property – see Page#24-54 the appraisal disclosure was provided to the borrower(s)- see Pg#21 and copy of the appraisal was given to the borrower see Pg#22 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-10/26/2024 |  | Resolved-The loan's (8.075%) APR equals or exceeds the Federal HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#427 and the Final Closing disclosure on Pg#239 reflects escrows. Rate lock date was entered correctly see Pg#379 An interior and exterior appraisal was completed for this property – see Page#24-54 the appraisal disclosure was provided to the borrower(s)- see Pg#21 and copy of the appraisal was given to the borrower see Pg#22 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-10/26/2024<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 2689115 | N/A | N/A |
| XXXX | xxxxxx0849 |  |  | Closed | 2024-10-29 09:31 | 2024-11-07 15:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-received recorded DOT - Due Diligence Vendor-11/07/2024 <br>Ready for Review-Document Uploaded. Re-recorded DOT to include the Prepay Rider - Seller-11/06/2024 <br>Open-Provide prepayment rider as its missing in file. - Due Diligence Vendor-10/29/2024 | Ready for Review-Document Uploaded. Re-recorded DOT to include the Prepay Rider - Seller-11/06/2024<br>| Resolved-received recorded DOT - Due Diligence Vendor-11/07/2024<br>| XXXX |  |  | WA | Investment | Purchase | NA | 2700104 | N/A | N/A |
| XXXX | xxxxxx0849 |  |  | Closed | 2024-11-01 14:07 | 2024-11-06 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-11/06/2024 <br>Ready for Review-Document Uploaded. This is a reverse mortgage. The borrower is not subject to mortgage payments as the terms of the note. Reverse Mortgage Note attached - Seller-11/05/2024 <br>Open-VOR/VOM Doc Status should not be 'Missing'. per GLS 12 month housing history required, mortgage for PPH not on credit report<br> VOM required - Due Diligence Vendor-11/01/2024 | Ready for Review-Document Uploaded. This is a reverse mortgage. The borrower is not subject to mortgage payments as the terms of the note. Reverse Mortgage Note attached - Seller-11/05/2024<br>| Resolved-Validation Resolved' - Due Diligence Vendor-11/06/2024<br>| XXXX |  |  | WA | Investment | Purchase | NA | 2727378 | N/A | N/A |
| XXXX | xxxxxx8670 |  |  | Closed | 2024-10-30 11:10 | 2024-11-13 21:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-11/13/2024 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-11/13/2024 <br>Resolved-Updated 1003 provided-resolved - Due Diligence Vendor-11/05/2024 <br>Ready for Review-Document Uploaded. Updated 1003 - Seller-11/04/2024 <br>Open-The Final 1003 is Missing 1. Years in Job is > years in industry. 2. Borrower is 100% Owner per Operating Agreement and CPA. However, Title on 1003 is Vice President. LOX required. - Due Diligence Vendor-10/30/2024 | Ready for Review-Document Uploaded. Updated 1003 - Seller-11/04/2024<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-11/13/2024 <br>Resolved-Updated 1003 provided-resolved - Due Diligence Vendor-11/05/2024<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 2709990 | N/A | N/A |
| XXXX | xxxxxx8670 |  |  | Closed | 2024-11-01 20:26 | 2024-11-13 18:32 | Resolved | 1 - Information C A | Credit | Credit | FEMA disaster issue and/or risk. | Resolved-Document Uploaded. Free and clear of disaster related damage - Due Diligence Vendor-11/13/2024 <br> Open-Property potentially affected by FEMA Disaster. XXXX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.<br> - Due Diligence Vendor-11/01/2024 |  | Resolved-Document Uploaded. Free and clear of disaster related damage - Due Diligence Vendor-11/13/2024<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 2731042 | N/A | N/A |
| XXXX | xxxxxx8670 |  |  | Closed | 2024-11-01 20:26 | 2024-11-13 18:32 | Resolved | 1 - Information C A | Credit | Credit | FEMA disaster issue and/or risk. (2) | Resolved-Document Uploaded. Free and clear of disaster related damage - Due Diligence Vendor-11/13/2024 <br> Open-Property potentially affected by FEMA Disaster. XXXX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.<br> - Due Diligence Vendor-11/01/2024 |  | Resolved-Document Uploaded. Free and clear of disaster related damage - Due Diligence Vendor-11/13/2024<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 2731044 | N/A | N/A |
| XXXX | xxxxxx8670 |  |  | Closed | 2024-11-01 16:08 | 2024-11-05 18:14 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Wire confirmation provided-resolved - Due Diligence Vendor-11/05/2024 <br> Ready for Review-Document Uploaded. Gift Wire - Seller-11/04/2024 <br> Open-Proof of Gift fund transfer XXXX per Gift Letter missing from file. - Due Diligence Vendor-11/01/2024 | Ready for Review-Document Uploaded. Gift Wire - Seller-11/04/2024<br>| Resolved-Wire confirmation provided-resolved - Due Diligence Vendor-11/05/2024<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 2728868 | N/A | N/A |
| XXXX | xxxxxx8670 |  |  | Closed | 2024-10-30 11:47 | 2024-11-05 18:10 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-GAP Report provide - Due Diligence Vendor-11/05/2024 <br> Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/05/2024 <br> Ready for Review-Document Uploaded. Gap credit - Seller-11/05/2024 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). GAP credit report, XXXX is more than 10 days from closing date is XXXX. - Due Diligence Vendor-10/30/2024 | Ready for Review-Document Uploaded. Gap credit - Seller-11/05/2024<br>| Resolved-GAP Report provide - Due Diligence Vendor-11/05/2024 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-11/05/2024<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 2710182 | N/A | N/A |
| XXXX | xxxxxx8670 |  |  | Closed | 2024-10-30 13:04 | 2024-11-18 17:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 393 and the Final Closing disclosure on Pg#'s 206, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 398. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 31, and confirmation the appraisal was delivered to the borrower – see Pg#'s 32. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-11/18/2024 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 393 and the Final Closing disclosure on Pg#'s 206, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 398. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 31, and confirmation the appraisal was delivered to the borrower – see Pg#'s 32. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/18/2024 <br>Ready for Review-Document Uploaded. Disaster Report - Seller-11/14/2024 <br>Open- - Due Diligence Vendor-11/13/2024 <br>Resolved-The loan's (10.301%) APR equals or exceeds the Federal HPML threshold of (7.6%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML guidelines. - Due Diligence Vendor-10/30/2024 | Ready for Review-Document Uploaded. Disaster Report - Seller-11/14/2024<br>| Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 393 and the Final Closing disclosure on Pg#'s 206, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 398. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 31, and confirmation the appraisal was delivered to the borrower – see Pg#'s 32. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-11/18/2024 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 393 and the Final Closing disclosure on Pg#'s 206, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 398. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 31, and confirmation the appraisal was delivered to the borrower – see Pg#'s 32. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/18/2024 <br>Resolved-The loan's (10.301%) APR equals or exceeds the Federal HPML threshold of (7.6%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.1%).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML guidelines. - Due Diligence Vendor-10/30/2024<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 2710830 | N/A | N/A |
| XXXX | xxxxxx6381 |  |  | Closed | 2024-11-04 16:22 | 2024-11-06 13:52 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Updated property page. - Due Diligence Vendor-11/06/2024 <br>Ready for Review-Document Uploaded. XXXX SSR with CU score - Seller-11/05/2024 <br>Open-No CU score provided need desk review - Due Diligence Vendor-11/04/2024 | Ready for Review-Document Uploaded. XXXX SSR with CU score - Seller-11/05/2024<br>| Resolved-Updated property page. - Due Diligence Vendor-11/06/2024<br>| XXXX |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 2736927 | N/A | N/A |
| XXXX | xxxxxx6381 |  |  | Closed | 2024-10-31 07:12 | 2024-10-31 08:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.1%) APR equals or exceeds the Federal HPML threshold of (7.54%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.04%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.'s 272, and the Final Closing disclosure on Pg.'s 119, Finding reflects escrows. Rate lock date was entered correctly – see Pg.'s 376,281,117. An interior and exterior appraisal was completed for this property – see pg.20, the appraisal disclosure was provided to the borrower(s) and confirmation the appraisal was delivered to the borrower – see Pg.'s 15,16. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/31/2024 |  | Resolved-The loan's (8.1%) APR equals or exceeds the Federal HPML threshold of (7.54%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.04%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.'s 272, and the Final Closing disclosure on Pg.'s 119, Finding reflects escrows. Rate lock date was entered correctly – see Pg.'s 376,281,117. An interior and exterior appraisal was completed for this property – see pg.20, the appraisal disclosure was provided to the borrower(s) and confirmation the appraisal was delivered to the borrower – see Pg.'s 15,16. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/31/2024<br>|  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 2718532 | N/A | N/A |
| XXXX | xxxxxx9417 |  |  | Closed | 2024-10-31 05:07 | 2024-11-12 13:03 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Short Form Policy document received in full. Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s). System updated & Resolved. - Due Diligence Vendor-11/12/2024 <br> Ready for Review-Document Uploaded. Complete final title policy - Seller-11/11/2024 <br> Counter-The Short Form Residential Loan Policy document uploaded was not complete; it was missing a page or two at the beginning. Unable to verify the information with the pages that were provided. - Due Diligence Vendor-11/11/2024 <br> Ready for Review-Document Uploaded. Final Title Policy - Seller-11/07/2024 <br> Open-Title Coverage Amount of $400000 is Less than Loan Amount Title Coverage Amount of $XXXX is Less than the Loan Amount of $XXXX. - Due Diligence Vendor-10/31/2024 | Ready for Review-Document Uploaded. Complete final title policy - Seller-11/11/2024 <br>Ready for Review-Document Uploaded. Final Title Policy - Seller-11/07/2024<br>| Resolved-Title Short Form Policy document received in full. Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s). System updated & Resolved. - Due Diligence Vendor-11/12/2024 | XXXX |  |  | TN | Investment | Refinance | Cash Out - Other | 2718165 | N/A | N/A |
| XXXX | xxxxxx8514 |  |  | Closed | 2024-11-05 14:28 | 2024-11-22 13:54 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Insurance Checklist of Coverage provided showing the Replacement Cost of $XXXX, which is the basis for the limit of insurance. - Due Diligence Vendor-11/22/2024 <br> Ready for Review-Document Uploaded. RCE - Seller-11/21/2024 <br> Open-Insurance Coverage A Amount is $XXXX, which is insufficient to cover the loan amount of $XXXX or the Replacement Cost New on the Appraisal. Per Kind guidelines: "The hazard insurance coverage should be equal to the lesser of:<br> · Replacement Cost Estimator from the property insurer or a 3rd party source, if provided (broker to provide). <br> · Estimated cost to replace the dwelling from a recent appraisal, if provided. <br> · The unpaid principal balance of the mortgage." - Due Diligence Vendor-11/05/2024 | Ready for Review-Document Uploaded. RCE - Seller-11/21/2024<br>| Resolved-Insurance Checklist of Coverage provided showing the Replacement Cost of $XXXX, which is the basis for the limit of insurance. - Due Diligence Vendor-11/22/2024 | XXXX |  |  | FL | Investment | Purchase | NA | 2743972 | N/A | N/A |
| XXXX | xxxxxx8514 |  |  | Closed | 2024-11-05 13:37 | 2024-11-21 13:45 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-Updated 1003/1008 received. Updated the system. Our DTI of 45.5869% matches the new DTI of the Lender of 45.59%. Resolved. - Due Diligence Vendor-11/21/2024 <br>Ready for Review-Document Uploaded. Updated 1008 & 1003 - Seller-11/20/2024 <br>Open-Section 3 (a & b) of the Final 1003 shows that the borrower has two other properties. It is marked that neither have any mortgage loans, but the Monthly Insurance, Taxes, Association Dues, Etc fields were left blank. Page 18-19 of the Fraud Manager Report (pages 530-531 of the PDF) show both of these properties in the borrower's name. If there are no mortgages associated, but are still owned, Taxes/Insurance should still be a consideration. Page 402 of the PDF is a Letter of Explanation from the borrower about the prior mortgage on the primary residence was paid off (and is shown on page 11of15 of the credit report (PDF page 324). The file lacks the calculation of taxes/insurance of both of these properties. There is no evidence that they are paid by someone else, or there is no explanation why they were omitted from calculation. - Due Diligence Vendor-11/05/2024 | Ready for Review-Document Uploaded. Updated 1008 & 1003 - Seller-11/20/2024<br>| Resolved-Updated 1003/1008 received. Updated the system. Our DTI of 45.5869% matches the new DTI of the Lender of 45.59%. Resolved. - Due Diligence Vendor-11/21/2024<br>| XXXX |  |  | FL | Investment | Purchase | NA | 2743501 | N/A | N/A |
| XXXX | xxxxxx0898 |  |  | Closed | 2024-10-31 11:19 | 2024-11-05 18:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.277%) APR equals or exceeds the Federal HPML threshold of (7.86%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.'s 382, and the Final Closing disclosure on Pg.'s 205, Finding reflects escrows. Rate lock date was entered correctly – see Pg.'s 509,388,119. An interior and exterior appraisal was completed for this property – see pg.37, the appraisal disclosure was provided to the borrower(s) and confirmation the appraisal was delivered to the borrower – see Pg.'s 33,34. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/31/2024 |  | Resolved-The loan's (10.277%) APR equals or exceeds the Federal HPML threshold of (7.86%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.36%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg.'s 382, and the Final Closing disclosure on Pg.'s 205, Finding reflects escrows. Rate lock date was entered correctly – see Pg.'s 509,388,119. An interior and exterior appraisal was completed for this property – see pg.37, the appraisal disclosure was provided to the borrower(s) and confirmation the appraisal was delivered to the borrower – see Pg.'s 33,34. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/31/2024<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 2719395 | N/A | N/A |
| XXXX | xxxxxx1097 |  |  | Closed | 2024-11-13 15:54 | 2024-11-22 22:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-11/22/2024 <br> Ready for Review-Document Uploaded. Legible I797 - Seller-11/22/2024 <br> Counter-Document not legible - need clear image - Due Diligence Vendor-11/18/2024 <br> Ready for Review-Document Uploaded. The first paragraph states because he applied in time it is extended - Seller-11/15/2024 <br> Open-I-551 Card is expired/ Bwr permanent resident alien card expired in XXXX, need renewed I-551 card - Due Diligence Vendor-11/13/2024 | Ready for Review-Document Uploaded. Legible I797 - Seller-11/22/2024 <br>Ready for Review-Document Uploaded. The first paragraph states because he applied in time it is extended - Seller-11/15/2024<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-11/22/2024<br>| XXXX |  |  | IN | Investment | Purchase | NA | 2800427 | N/A | N/A |
| XXXX | xxxxxx7215 |  |  | Closed | 2024-12-23 04:27 | 2025-01-10 08:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower 2 Credit Report is Expired | Waived-Exception approved to extend date of credit reports. Guides require 120 maximum seasoning of credit report, approved to allow credit reports for both borrowers to be 124 days old.<br> - Due Diligence Vendor-01/10/2025 <br>Ready for Review-Document Uploaded. - Seller-01/09/2025 <br>Open-Borrower 2 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. - Seller-01/09/2025<br>| Waived-Exception approved to extend date of credit reports. Guides require 120 maximum seasoning of credit report, approved to allow credit reports for both borrowers to be 124 days old.<br> - Due Diligence Vendor-01/10/2025<br>| XXXX |  | Low LTV under 61% : LTV is 60.27%. Maximum allowed per guidelines is 90%.<br> Residual income at least $5,000 a month : Residual Income $5,137.68<br> Owns investment property free and clear | FL | Primary Residence | Purchase | NA | 3063910 | Originator Post-Close | Yes |
| XXXX | xxxxxx7215 |  |  | Closed | 2024-12-23 04:27 | 2025-01-10 08:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Exception approved to extend date of credit reports. Guides require 120 maximum seasoning of credit report, approved to allow credit reports for both borrowers to be 124 days old. - Due Diligence Vendor-01/10/2025 <br>Ready for Review-Document Uploaded. - Seller-01/09/2025 <br>Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. - Seller-01/09/2025<br>| Waived-Exception approved to extend date of credit reports. Guides require 120 maximum seasoning of credit report, approved to allow credit reports for both borrowers to be 124 days old. - Due Diligence Vendor-01/10/2025<br>| XXXX |  | Low LTV under 61% : LTV is 60.27%. Maximum allowed per guidelines is 90%.<br> Residual income at least $5,000 a month : Residual Income $5,137.68<br> Owns investment property free and clear<br>| FL | Primary Residence | Purchase | NA | 3063909 | Originator Post-Close | Yes |
| XXXX | xxxxxx7215 |  |  | Closed | 2024-12-23 07:18 | 2025-01-02 13:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/02/2025 <br> Ready for Review-Document Uploaded. Hi, it's on pages 368 - 373 of our package. - Seller-12/30/2024 <br> Open-TRID: Missing Final Closing Disclosure Provide the Final CD/PCCD with gift amounts of ($XXXX) reflect in adjustment section. - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. Hi, it's on pages 368 - 373 of our package. - Seller-12/30/2024<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/02/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3064295 | N/A | N/A |
| XXXX | xxxxxx5822 |  |  | Closed | 2025-03-11 14:31 | 2025-03-18 23:43 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-PCCD received showing the correct amount in the Estimated Taxes, Insurance, & Assessments section. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. - Seller-03/18/2025 <br> Counter-Letter of Explanation/Calculation of HOA received. HOA amount changed to $XXXX per month. Corrected 1008 & 1003 received. However, the most recent CD is still incorrect. File needs a corrected PCCD to reflect a monthly HOA of $XXXX (and non-escrowed amount over 1 year for HOA of $XXXX). - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. - Seller-03/14/2025 <br> Open-HOA Fee difference exsits between validated HOA and documents · Discrepancy in the HOA amount. Per the 1008, HOA is $XXXX monthly ($XXXX annual). Per the Final CD on page 1 of 5, the Estimated Taxes, Insurance, & Assessments section, HOA is $XXXX ($XXXX - $XXXX). Per the Final CD on page 4 of 5, the Non-Escrowed Property Costs over Year 1 section, HOA is $XXXX annual ($XXXX monthly). Per the Appraisal, HOA is $XXXX annual ($XXXX monthly). Per the "XXXX" document, annual HOA for 2025 is $XXXX for LOT 1. However, the subject property legal description is called LOT 9. Unable to validate any true/verified HOA amount and all other documents have discrepancies. - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. - Seller-03/18/2025 <br>Ready for Review-Document Uploaded. - Seller-03/14/2025<br>| Resolved-PCCD received showing the correct amount in the Estimated Taxes, Insurance, & Assessments section. - Due Diligence Vendor-03/18/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3580498 | N/A | N/A |
| XXXX | xxxxxx5822 |  |  | Closed | 2025-03-10 17:33 | 2025-03-14 18:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close dated XXXX Was Provided. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. - Seller-03/14/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Borrower 1 3rd Party VOE Prior to Close within 10-days of the Note date. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. - Seller-03/14/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close dated XXXX Was Provided. - Due Diligence Vendor-03/14/2025 | XXXX |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3571995 | N/A | N/A |
| XXXX | xxxxxx5822 |  |  | Closed | 2025-03-10 16:53 | 2025-03-14 18:17 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Corrected 1008 received. - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. - Seller-03/14/2025 <br>Open-The 1008 document is missing from the loan file. Risk Assessment shows AUS but should be Manual Underwriting for NQM loans, provide updated 1008 document. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. - Seller-03/14/2025<br>| Resolved-Corrected 1008 received. - Due Diligence Vendor-03/14/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3571242 | N/A | N/A |
| XXXX | xxxxxx5822 |  |  | Closed | 2025-03-10 10:17 | 2025-03-14 18:13 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Corrected 1008 received. - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. - Seller-03/14/2025 <br>Open-Qualifying FICO on the 1008 Page is '776' or blank, but the Qualifying FICO from the Credit Liabilities Page is '778' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per G/L's For multiple borrowers: "Full Doc and Alt Doc Documentation: Use the Decision Score for the primary wage earner; all borrowers must have a minimum credit score of 600." Since borrower #1 is the only borrower with income, borrower #1's FICO score should be used (778). The 1008 shows borrower #2's FICO score (776). - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. - Seller-03/14/2025<br>| Resolved-Corrected 1008 received. - Due Diligence Vendor-03/14/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3566790 | N/A | N/A |
| XXXX | xxxxxx5822 |  |  | Closed | 2025-03-11 14:24 | 2025-03-14 17:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Taxes totaling $23.19 received (/ 12 = $1.93 monthly). Calculation is the same. Issue resolved. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. - Seller-03/14/2025 <br> Open-Per the 1003 and a Letter of Explanation, the borrower owns vacant land at XXXX with no mortgage, insurance, or HOA... just minimal taxes. Per the 1003, the tax amount is $1.93 monthly (or about $23.16 annually). Evidence of this tax amount is missing from the file. - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. - Seller-03/14/2025<br>| Resolved-Taxes totaling $23.19 received (/ 12 = $1.93 monthly). Calculation is the same. Issue resolved. - Due Diligence Vendor-03/14/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3580404 | N/A | N/A |
| XXXX | xxxxxx5822 |  |  | Closed | 2025-03-10 19:18 | 2025-03-14 12:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Note from Lender provided as to why the dates are different. The document provided is already the final 1003. Issue resolved as-is. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-This was a hybrid closing so they signed the URLA before the note – that's why the 1003 was dated differently. - Seller-03/13/2025 <br> Open-The Final 1003 is Incomplete The latest 1003 provided in file was electronically signed on XXXX. However, the Note/Closing/Signing date was XXXX. The 1003 that was wet-signed by the borrowers on XXXX is missing from the file. - Due Diligence Vendor-03/10/2025 | Ready for Review-This was a hybrid closing so they signed the URLA before the note – that's why the 1003 was dated differently. - Seller-03/13/2025<br>| Resolved-Note from Lender provided as to why the dates are different. The document provided is already the final 1003. Issue resolved as-is. - Due Diligence Vendor-03/14/2025<br>|  |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3573707 | N/A | N/A |
| XXXX | xxxxxx5822 |  |  | Closed | 2025-03-10 19:13 | 2025-03-11 18:12 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Loan Approval received. Issue resolved. - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. - Seller-03/11/2025 <br>Open-Provide Loan Approval document which is missing from loan file. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. - Seller-03/11/2025<br>| Resolved-Loan Approval received. Issue resolved. - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3573549 | N/A | N/A |
| XXXX | xxxxxx7850 |  |  | Closed | 2025-03-10 14:16 | 2025-03-14 12:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD uploaded. Resolved. - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. - Seller-03/13/2025 <br>Open-TRID: Missing Closing Disclosure Provide the Initial CD, as it is missing in file, hence we can't run the Compliance without initial cd. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. - Seller-03/13/2025<br>| Resolved-Initial CD uploaded. Resolved. - Due Diligence Vendor-03/14/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 3568620 | N/A | N/A |
| XXXX | xxxxxx7850 |  |  | Closed | 2025-03-14 12:55 | 2025-03-14 12:57 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-03/14/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Flood Certification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-03/14/2025 |  | Resolved-Resolved - Due Diligence Vendor-03/14/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 3611787 | N/A | N/A |
| XXXX | xxxxxx7850 |  |  | Closed | 2025-03-10 14:18 | 2025-03-14 07:35 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. XXXX was the correct matrix version. See updated approval form. - Seller-03/13/2025 <br> Open-Provide updated Lender Approval form, as Matrix version date is missing in Lender Approval, in Bid tape also matrix version date is not provided, as of now considered latest matrix version guidelines XXXX. - Due Diligence Vendor-03/10/2025 | Ready for Review-Document Uploaded. XXXX was the correct matrix version. See updated approval form. - Seller-03/13/2025 | Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/14/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 3568687 | N/A | N/A |
| XXXX | xxxxxx8533 |  |  | Closed | 2025-03-12 14:41 | 2025-03-19 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-As per the G/L for Service business with 0-1 Employees we can use minimum of 30% expense ratio, Verified - Resolved - Due Diligence Vendor-03/19/2025 <br>Ready for Review-We are using less income that what we can. The expense factor per the cpa letter is lower than what we used to qualify..This should not be an issue. Please re-review.<br>- Seller-03/18/2025 <br>Open-Expense ratio on lender income worksheet pg#329 and on loan program pg#346 is showing 30%, whereas CPA letter on pg#197 is showing expense ratio as 15% in 2024. - Due Diligence Vendor-03/12/2025 | Ready for Review-We are using less income that what we can. The expense factor per the cpa letter is lower than what we used to qualify..This should not be an issue. Please re-review.<br>- Seller-03/18/2025<br>| Resolved-As per the G/L for Service business with 0-1 Employees we can use minimum of 30% expense ratio, Verified - Resolved - Due Diligence Vendor-03/19/2025<br>|  |  |  | CA | Investment | Refinance | Cash Out - Other | 3591038 | N/A | N/A |
| XXXX | xxxxxx9587 |  |  | Closed | 2025-03-11 16:30 | 2025-03-21 18:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-received LOI and page 2 of DOT with correct riders checked off - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. Letter of Intent to Re-record & corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/18/2025 <br>Open-The Deed of Trust is Missing Provide updated DOT with Prepayment Rider check mark on it.<br> - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. Letter of Intent to Re-record & corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/18/2025<br>| Resolved-received LOI and page 2 of DOT with correct riders checked off - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | AZ | Investment | Purchase | NA | 3582298 | N/A | N/A |
| XXXX | xxxxxx9587 |  |  | Closed | 2025-03-11 16:02 | 2025-03-18 08:39 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/18/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-03/17/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing.<br> - Due Diligence Vendor-03/11/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-03/17/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/18/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/18/2025<br>| XXXX |  |  | AZ | Investment | Purchase | NA | 3581958 | N/A | N/A |
| XXXX | xxxxxx9712 |  |  | Closed | 2025-03-12 06:51 | 2025-03-21 19:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Correct tax cert showing $XXXX in annual taxes, which matches the initial 1008 & the HUD-1. Issue resolved. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. Correct Tax Cert - Seller-03/21/2025 <br> Counter-If the property taxes are incorrect and are now $XXXX annual / $XXXX monthly, the HUD-1, the Initial Escrow Account Disclosure, the First Payment Letter to Borrower, and the Tax and Insurance Information Sheet are also incorrect and would need to be corrected to show the change. However, if the Taxes were verified by Closing/Title as the initial $XXXX annual / $XXXX monthly, then evidence of that figure is still missing. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. Updated 1008 to show correct property taxes - Seller-03/18/2025 <br> Open-Missing Evidence of Property Tax · Property Tax used for qualification is $XXXX annual, per the Closing Worksheet (or $XXXX monthly, per the Final HUD-1). File is missing evidence of this tax amount to verify. - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. Correct Tax Cert - Seller-03/21/2025 <br>Ready for Review-Document Uploaded. Updated 1008 to show correct property taxes - Seller-03/18/2025<br>| Resolved-Correct tax cert showing $XXXX in annual taxes, which matches the initial 1008 & the HUD-1. Issue resolved. - Due Diligence Vendor-03/21/2025 | XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 3588232 | N/A | N/A |
| XXXX | xxxxxx9712 |  |  | Closed | 2025-03-17 11:54 | 2025-03-18 19:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Correction received. The Deed of Trust is Present and Complete. System updated. Resolved. - Due Diligence Vendor-03/18/2025 <br>Ready for Review-Document Uploaded. Letter of Intent to Re-record & corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/18/2025 <br>Open-The Deed of Trust is Incomplete · The file has a Prepayment Rider Fixed Percentage. However, the Deed of Trust (page #2 of 21, section F) does not have the checkmark that the Prepayment Rider is attached to the Deed of Trust document. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. Letter of Intent to Re-record & corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/18/2025<br>| Resolved-Correction received. The Deed of Trust is Present and Complete. System updated. Resolved. - Due Diligence Vendor-03/18/2025<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 3623515 | N/A | N/A |
| XXXX | xxxxxx9712 |  |  | Closed | 2025-03-17 12:27 | 2025-03-17 17:30 | Resolved | 1 - Information B A | Credit | Doc Issue | Tax and Insurance Disclosure is Missing | Resolved-Tax an Insurance Information Sheet received. Resolved. - Due Diligence Vendor-03/17/2025 <br>Ready for Review-Document Uploaded. Tax & Ins Info Sheet - Seller-03/17/2025 <br>Open-· The Tax and Insurance Information Sheet is missing from the file - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. Tax & Ins Info Sheet - Seller-03/17/2025<br>| Resolved-Tax an Insurance Information Sheet received. Resolved. - Due Diligence Vendor-03/17/2025<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 3623755 | N/A | N/A |
| XXXX | xxxxxx9712 |  |  | Closed | 2025-03-12 10:38 | 2025-03-17 17:29 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-IEADS received. System updated. Resolved. - Due Diligence Vendor-03/17/2025 <br>Ready for Review-Document Uploaded. IEADS - Seller-03/17/2025 <br>Open-· Initial Escrow Account Disclosure Statement is missing from the file. - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. IEADS - Seller-03/17/2025<br>| Resolved-IEADS received. System updated. Resolved. - Due Diligence Vendor-03/17/2025<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 3588819 | N/A | N/A |
| XXXX | xxxxxx9712 |  |  | Closed | 2025-03-12 07:38 | 2025-03-17 17:26 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-FHLMC UCDP/SSR received with a score of 1.0 & R&W eligible. - Due Diligence Vendor-03/17/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-03/17/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 · Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-03/17/2025<br>| Resolved-FHLMC UCDP/SSR received with a score of 1.0 & R&W eligible. - Due Diligence Vendor-03/17/2025<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 3588355 | N/A | N/A |
| XXXX | xxxxxx9712 |  |  | Closed | 2025-03-12 06:30 | 2025-03-17 17:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 electronically signed by the borrower at closing on 3/06/2025 was received. - Due Diligence Vendor-03/17/2025 <br>Ready for Review-Document Uploaded. Final 1003 - Seller-03/17/2025 <br>Open-The Final 1003 is Incomplete · The 1003 that was provided is unsigned/undated. Please provide the Final 1003 that was borrower-executed at Closing. - Due Diligence Vendor-03/12/2025 | Ready for Review-Document Uploaded. Final 1003 - Seller-03/17/2025<br>| Resolved-The Final 1003 electronically signed by the borrower at closing on XXXX was received. - Due Diligence Vendor-03/17/2025 | XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 3588158 | N/A | N/A |
| XXXX | xxxxxx9782 |  |  | Closed | 2025-03-13 04:15 | 2025-03-21 18:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-received LOI and page 2 of DOT with correct riders checked - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. Letter of Intent to Re-record and corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/18/2025 <br>Open-The Deed of Trust is Incomplete File has prepayment rider but DOT riders section not checked the prepayment rider. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Letter of Intent to Re-record and corrected page 2 of DOT with box checked for Prepay Rider - Seller-03/18/2025<br>| Resolved-received LOI and page 2 of DOT with correct riders checked - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | NH | Investment | Refinance | Cash Out - Home Improvement/Reno | 3598785 | N/A | N/A |
| XXXX | xxxxxx9782 |  |  | Closed | 2025-03-13 04:22 | 2025-03-21 12:48 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. Final Title Policy - Seller-03/20/2025 <br> Counter-Covered amount not in affidavit - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. Final Title Policy - Seller-03/18/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount $XXXX - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Final Title Policy - Seller-03/20/2025 <br>Ready for Review-Document Uploaded. Final Title Policy - Seller-03/18/2025<br>| Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-03/21/2025 | XXXX |  |  | NH | Investment | Refinance | Cash Out - Home Improvement/Reno | 3598791 | N/A | N/A |
| XXXX | xxxxxx9782 |  |  | Closed | 2025-03-13 04:49 | 2025-03-20 09:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy document provided. - Due Diligence Vendor-03/20/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. Hazard Insurance - Seller-03/19/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Hazard Insurance - Seller-03/19/2025<br>| Resolved-Hazard Insurance Policy document provided. - Due Diligence Vendor-03/20/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | NH | Investment | Refinance | Cash Out - Home Improvement/Reno | 3598830 | N/A | N/A |
| XXXX | xxxxxx9782 |  |  | Closed | 2025-03-13 04:57 | 2025-03-20 08:18 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared.<br> - Due Diligence Vendor-03/20/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/19/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared Findings - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/19/2025<br>| Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared.<br> - Due Diligence Vendor-03/20/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | NH | Investment | Refinance | Cash Out - Home Improvement/Reno | 3598841 | N/A | N/A |
| XXXX | xxxxxx0897 |  |  | Closed | 2025-03-13 10:12 | 2025-03-18 21:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/18/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/18/2025 <br> Open-Fraud Report Shows Uncleared Alerts · The XXXX XXXX XXXX Alerts Summary document shows a total of 5 High alerts, only 3 of which were cleared; and 5 Medium alerts, only 3 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/13/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/18/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/18/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3599622 | N/A | N/A |
| XXXX | xxxxxx1498 |  |  | Closed | 2025-03-14 08:38 | 2025-03-20 16:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/20/2025 <br> Open-Fraud Report Shows Uncleared Alerts · The XXXX XXXX Alerts Summary document shows a total of 7 Medium alerts, only 6 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/20/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 3610360 | N/A | N/A |
| XXXX | xxxxxx1498 |  |  | Closed | 2025-03-14 12:51 | 2025-03-20 19:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-03/20/2025 <br>Resolved-The loan's (9.807%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 3 and the Final Closing disclosure on page # 19-186 reflects escrows. Rate lock date was entered correctly – see page # 296. An interior and exterior appraisal was completed for this property – see page # 53-90 and the appraisal disclosure was provided to the borrower(s)- see page # 91,92 and confirmation the appraisal was delivered to the borrower – see page # 91, 92. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/14/2025 |  | Resolved-. - Due Diligence Vendor-03/20/2025 <br>Resolved-The loan's (9.807%) APR equals or exceeds the Federal HPML threshold of (8.35%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 3 and the Final Closing disclosure on page # 19-186 reflects escrows. Rate lock date was entered correctly – see page # 296. An interior and exterior appraisal was completed for this property – see page # 53-90 and the appraisal disclosure was provided to the borrower(s)- see page # 91,92 and confirmation the appraisal was delivered to the borrower – see page # 91, 92. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/14/2025<br>|  |  |  | UT | Primary Residence | Purchase | NA | 3611747 | N/A | N/A |
| XXXX | xxxxxx0284 |  |  | Closed | 2025-03-14 05:42 | 2025-03-20 08:25 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared.<br> - Due Diligence Vendor-03/20/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/19/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report shows uncleared alerts. - Due Diligence Vendor-03/14/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/19/2025<br>| Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared.<br> - Due Diligence Vendor-03/20/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | 3609772 | N/A | N/A |
| XXXX | xxxxxx8898 |  |  | Closed | 2025-03-17 08:46 | 2025-03-21 15:12 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. Evidence of receipt of the gift - Seller-03/20/2025 <br> Counter-proof of Gift funds not received, letter from title agent holding funds or bank statement showing funds from person sending gift - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. Updated 1003 for assets - Seller-03/19/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Provide proof of documentation for gift funds in the amount of $XXXX per gift letter on page #297 and final CD on page #153 as it is not on file. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. Evidence of receipt of the gift - Seller-03/20/2025 <br>Ready for Review-Document Uploaded. Updated 1003 for assets - Seller-03/19/2025<br>| Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3622778 | N/A | N/A |
| XXXX | xxxxxx8898 |  |  | Closed | 2025-03-17 09:18 | 2025-03-21 12:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. UW Response: please have this escalated. We have a photo ID. They shouldn't need any more than that. - Seller-03/20/2025 <br>Counter-ID uploaded was in file - borrowers US issued Drivers lic or equivalent missing - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. B2 photo ID - Seller-03/19/2025 <br>Open-Borrower 2 Photo Identification Missing. Please provide valid photo identification per guideline requirements. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. UW Response: please have this escalated. We have a photo ID. They shouldn't need any more than that. - Seller-03/20/2025 <br>Ready for Review-Document Uploaded. B2 photo ID - Seller-03/19/2025<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3622855 | N/A | N/A |
| XXXX | xxxxxx8079 |  |  | Closed | 2025-03-25 15:13 | 2025-03-26 18:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/26/2025 <br> Open-Fraud Report Shows Uncleared Alerts · The XXXX XXXX Alerts Summary document shows a total of 5 High alerts, only 4 of which were cleared; and 2 Medium alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/26/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 3689103 | N/A | N/A |
| XXXX | xxxxxx8079 |  |  | Closed | 2025-03-25 15:04 | 2025-03-25 18:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Document identified as the Final ALTA Settlement Statement received. System updated with the correct info. Issue resolved. - Due Diligence Vendor-03/25/2025 <br>Open-Final HUD-1 Document is Preliminary/Estimated Only. Document Uploaded. · File is missing the HUD-1 or Settlement Statement that is marked/stamped as the Final. - Seller-03/25/2025 |  | Resolved-Document identified as the Final ALTA Settlement Statement received. System updated with the correct info. Issue resolved. - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 3689001 | N/A | N/A |
| XXXX | xxxxxx1475 |  |  | Closed | 2025-03-17 17:09 | 2025-03-28 13:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved- - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. Certified copy of Final HUD1 from title - Seller-03/20/2025 <br>Open-Final HUD-1 Document is Missing. Final HUD-1 Document is Missing, Provide the updated Final HUD-1 Document with Settlement Agent Signature. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. Certified copy of Final HUD1 from title - Seller-03/20/2025<br>|  | XXXX |  |  | TX | Investment | Purchase | NA | 3627344 | N/A | N/A |
| XXXX | xxxxxx1475 |  |  | Closed | 2025-03-17 15:42 | 2025-03-24 18:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/24/2025 <br>Resolved-Alerts cleared. - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025 <br>Counter-Fraud Report Shows Uncleared Alerts Provide the updated fraud report. - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. Letter of Intent to Re-record with corrected page 2 of DOT box checked for Prepay Rider - Seller-03/20/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025 <br>Ready for Review-Document Uploaded. Letter of Intent to Re-record with corrected page 2 of DOT box checked for Prepay Rider - Seller-03/20/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/24/2025 <br>Resolved-Alerts cleared. - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3626295 | N/A | N/A |
| XXXX | xxxxxx1475 |  |  | Closed | 2025-03-17 15:54 | 2025-03-24 12:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Prepay part of DoT provided. Notary date is present on original signatures. - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. CE & Licensing Review - Seller-03/20/2025 <br>Open-The Deed of Trust is Missing Provide updated DOT with Prepayment Rider check mark on it & Notary date Year missing.<br> - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. CE & Licensing Review - Seller-03/20/2025<br>| Resolved-Prepay part of DoT provided. Notary date is present on original signatures. - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3626418 | N/A | N/A |
| XXXX | xxxxxx1475 |  |  | Closed | 2025-03-17 15:26 | 2025-03-21 05:56 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXX SSR with score provided. - Due Diligence Vendor-03/21/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-03/20/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-03/20/2025<br>| Resolved-XXXX SSR with score provided. - Due Diligence Vendor-03/21/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3626078 | N/A | N/A |
| XXXX | xxxxxx1475 |  |  | Closed | 2025-03-17 17:42 | 2025-03-21 05:53 | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-Prepayment Rider provided.<br> - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. Prepay Rider - Seller-03/20/2025 <br>Open-Prepayment Rider Missing. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. Prepay Rider - Seller-03/20/2025<br>| Resolved-Prepayment Rider provided.<br> - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3627924 | N/A | N/A |
| XXXX | xxxxxx1434 |  |  | Closed | 2025-03-20 15:16 | 2025-03-24 18:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-An updated 1003 was received to add an additional bank statement that was already provided in the file. Added that account to the system as a lender-used asset. Reserves now meet guidelines. Resolved. - Due Diligence Vendor-03/24/2025 <br> Resolved-Audited Reserves of 6.62 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. Updated 1003 showing correct assets - Seller-03/24/2025 <br> Open-· Loan is short Reserves. Total Verified Assets are $XXXX. Minus the $XXXX Funds to Close showed as paid on the PCCD and the Final Settlement Statement leaves $XXXX plus $XXXX refund due back to the borrower = $XXXX in funds available post-close. Reserves needed are 6 months of PITIA or $XXXX x 6 months = $XXXX. Loan is short reserves by $XXXX. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Updated 1003 showing correct assets - Seller-03/24/2025<br>| Resolved-An updated 1003 was received to add an additional bank statement that was already provided in the file. Added that account to the system as a lender-used asset. Reserves now meet guidelines. Resolved. - Due Diligence Vendor-03/24/2025 <br>Resolved-Audited Reserves of 6.62 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3657812 | N/A | N/A |
| XXXX | xxxxxx1434 |  |  | Closed | 2025-03-17 09:47 | 2025-03-24 17:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. Updated Fraud - Seller-03/24/2025 <br> Open-Fraud Report Shows Uncleared Alerts · The XXXX XXXX Alerts Summary document shows a total of 7 High alerts, only 5 of which were cleared. Provide documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. Updated Fraud - Seller-03/24/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3622950 | N/A | N/A |
| XXXX | xxxxxx9838 |  |  | Closed | 2025-03-19 21:44 | 2025-03-26 12:49 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Fraud Report - Seller-03/25/2025 <br>Counter-CoreLogic Loan Safe Connect shows 1 low alert, per GLs all Alerts to be cleared.<br> Sam.gov does not clear - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. Sam.gov for fraud report - Seller-03/24/2025 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Fraud Report - Seller-03/25/2025 <br>Ready for Review-Document Uploaded. Sam.gov for fraud report - Seller-03/24/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 3652130 | N/A | N/A |
| XXXX | xxxxxx9838 |  |  | Closed | 2025-03-17 04:49 | 2025-03-25 12:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-received Asset utilization worksheet - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. Income Worksheet - Seller-03/24/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing Lender Income Calculation Worksheet - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-03/24/2025<br>| Resolved-received Asset utilization worksheet - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 3622122 | N/A | N/A |
| XXXX | xxxxxx7346 |  |  | Closed | 2025-03-19 18:02 | 2025-03-21 13:47 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/20/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report has 3 High alerts present - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/20/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 3649663 | N/A | N/A |
| XXXX | xxxxxx7346 |  |  | Closed | 2025-03-19 09:31 | 2025-03-21 09:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet for B2 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/21/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. Income Worksheet B2 - Seller-03/20/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide lender income calculation worksheet for bwr#2 as it is missing from file. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Income Worksheet B2 - Seller-03/20/2025<br>| Resolved-Lender Income Calculation Worksheet for B2 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/21/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 3643872 | N/A | N/A |
| XXXX | xxxxxx0333 |  |  | Closed | 2025-03-19 12:29 | 2025-03-28 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-VOR provided. Resolved - Due Diligence Vendor-03/28/2025 <br>Ready for Review-Document Uploaded. VOR - Seller-03/27/2025 <br>Open-VOR/VOM Doc Status should not be 'Missing'. Borrowers are renting at primary residence, provide VOR document as it is missing from file. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. VOR - Seller-03/27/2025<br>| Resolved-VOR provided. Resolved - Due Diligence Vendor-03/28/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3644833 | N/A | N/A |
| XXXX | xxxxxx0333 |  |  | Closed | 2025-03-19 12:29 | 2025-03-28 11:56 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-03/28/2025 <br>Resolved-Updated 1008 with corrected FICO uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-03/24/2025 <br>Open-Qualifying FICO on the 1008 Page is '764' or blank, but the Qualifying FICO from the Credit Liabilities Page is '774' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on 1003 document is 764 whereas qualifying FICO on credit liabilities is 774. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. 1008 - Seller-03/24/2025<br>| Resolved-Validation Resolved - Due Diligence Vendor-03/28/2025 <br>Resolved-Updated 1008 with corrected FICO uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3644836 | N/A | N/A |
| XXXX | xxxxxx0333 |  |  | Closed | 2025-03-19 11:19 | 2025-03-25 10:50 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Loan Approval Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. Approval - Seller-03/24/2025 <br>Open-Provide loan approval document as it is missing from file. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Approval - Seller-03/24/2025<br>| Resolved-Loan Approval Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3644304 | N/A | N/A |
| XXXX | xxxxxx0333 |  |  | Closed | 2025-03-19 12:59 | 2025-03-25 10:49 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/25/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. Fraud Report - Seller-03/24/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report shows 1 uncleared alerts - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Fraud Report - Seller-03/24/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/25/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3645117 | N/A | N/A |
| XXXX | xxxxxx0333 |  |  | Closed | 2025-03-19 13:44 | 2025-03-24 11:52 | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | Resolved-Broker's MLO was actively licensed in the property state and authorized to represent XXXX. and broker company was actively licensed in the property state during this period. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. Licensing Review & Compliance Ease - Seller-03/20/2025 <br> Open-A relationship between XXXX (NMLS ID: XXXX) and the company (Company NMLS ID: XXXX) does not exist in the NMLS Consumer Access as of XXXX. Updated individual loan originator NMLS as XXXX; Loan Originator Organization NMLS as XXXX per Note and 1003. Also verified in NMLS consumer access portal. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Licensing Review & Compliance Ease - Seller-03/20/2025<br>| Resolved-Broker's MLO was actively licensed in the property state and authorized to represent XXXX. and broker company was actively licensed in the property state during this period. - Due Diligence Vendor-03/24/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 3645576 | N/A | N/A |
| XXXX | xxxxxx6695 |  |  | Closed | 2025-03-17 12:46 | 2025-03-25 09:55 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/25/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-03/24/2025 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-03/24/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/25/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3623894 | N/A | N/A |
| XXXX | xxxxxx6695 |  |  | Closed | 2025-03-17 12:36 | 2025-03-21 09:11 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/21/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-03/20/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-03/20/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/21/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3623813 | N/A | N/A |
| XXXX | xxxxxx9583 |  |  | Closed | 2025-03-19 07:57 | 2025-03-21 13:50 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-03/20/2025 <br> Open-The 1008 document is missing from the loan file. Provide the updated 1008 with HOA amount of $XXXX and subject property is PUD. HOA per Appraisal Report is $XXXX and 1008 document showing as $XXXX.<br> - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-03/20/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3643613 | N/A | N/A |
| XXXX | xxxxxx9583 |  |  | Closed | 2025-03-19 06:26 | 2025-03-21 09:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/20/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/20/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3643136 | N/A | N/A |
| XXXX | xxxxxx9583 |  |  | Closed | 2025-03-19 06:01 | 2025-03-20 09:54 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/20/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/20/2025 <br> Ready for Review-Document Uploaded. XXXX SSR - Seller-03/19/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing.<br> - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-03/19/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-03/20/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3643004 | N/A | N/A |
| XXXX | xxxxxx1462 |  |  | Closed | 2025-03-20 18:44 | 2025-03-24 17:49 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Corrected 1003/1008 received. Issue resolved. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. Corrected 1008 & URLA to match the HOA fee (nothing showing $XXXX) - Seller-03/24/2025 <br> Open-HOA Fee difference exsits between validated HOA and documents HOA discrepancy. The 1008/1003/CD discloses $XXXX per month. However, the Appraisal states $XXXX annually ($XXXX monthly). File is missing evidence of the fee as $XXXX. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Corrected 1008 & URLA to match the HOA fee (nothing showing $190) - Seller-03/24/2025<br>| Resolved-Corrected 1003/1008 received. Issue resolved. - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3661142 | N/A | N/A |
| XXXX | xxxxxx1462 |  |  | Closed | 2025-03-20 18:43 | 2025-03-24 17:44 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Checklist of Coverage received showing $XXXX - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. RCE from Florida that matches our Current Insurance - Seller-03/24/2025 <br> Open-The hazard insurance coverage should be equal to the lesser of:<br> · Replacement Cost Estimator from the property insurer or a 3rd party source ($XXXX).<br> · Estimated cost to replace the dwelling from a recent appraisal, if provided ($XXXX).<br> · The unpaid principal balance of the mortgage ($XXXX).<br>· The Current Dwelling Coverage A amount is $XXXX, which is not sufficient cover any of the 3 amounts above. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. RCE from Florida that matches our Current Insurance - Seller-03/24/2025<br>| Resolved-Checklist of Coverage received showing $664,400. - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3661137 | N/A | N/A |
| XXXX | xxxxxx1846 |  |  | Closed | 2025-03-19 09:53 | 2025-03-25 13:22 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-Resolved. - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. PCCD - Seller-03/20/2025 <br> Open-Final CD page 227 Title Feeses, Attorney Fee, Settlement/Closing Fee, Title Search Fee, Title Endorsement Fee, Lender's Title Insurance, Provider for this Feeses is Elite Title that's not on providers list Service provider page 489 Provider is different XXXX and XXXX. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. PCCD - Seller-03/20/2025<br>| Resolved-Resolved. - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3643942 | N/A | N/A |
| XXXX | xxxxxx1846 |  |  | Closed | 2025-03-19 08:35 | 2025-03-25 13:11 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-EMD removed from loan. Final HUD provided. - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. EMD was backed out of this loan. Please see attached Final HUD1 - Seller-03/24/2025 <br> Open-Provide addendum for EMD, as per Agreement page 274 Initial Deposit is $10,000 whereas as per Final CD page 227 and PCCD page 480 not reflecting EMD.<br> - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. EMD was backed out of this loan. Please see attached Final HUD1 - Seller-03/24/2025<br>| Resolved-EMD removed from loan. Final HUD provided. - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3643767 | N/A | N/A |
| XXXX | xxxxxx1846 |  |  | Closed | 2025-03-19 12:14 | 2025-03-24 12:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Gift funds now listed. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. PCCD - Seller-03/20/2025 <br> Open-TRID: Missing Closing Disclosure As per 1003 page 594, Gift letter page 379 and Proof of Gift page 196 the Gift Funds for $XXXX are not listed on the Final Closing Disclosure. Requesting updated Final CD or PCCD with gift amount. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. PCCD - Seller-03/20/2025<br>| Resolved-Gift funds now listed. - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3644721 | N/A | N/A |
| XXXX | xxxxxx1846 |  |  | Closed | 2025-03-19 08:02 | 2025-03-21 05:58 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-XXXX SSR with score provided.<br> - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. XXXX SSR - Seller-03/20/2025 <br> Open-For securitization, a second property valuation needs to be provided. File needs a FNMA and/or FHLMC UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-03/20/2025<br>| Resolved-XXXX SSR with score provided.<br> - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3643656 | N/A | N/A |
| XXXX | xxxxxx9629 |  |  | Closed | 2025-03-19 11:40 | 2025-03-21 18:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-received LOI and corrected page 2 with correct riders - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. Letter of Intent to Re-record and corrected page 2 of the DOT with box checked for Prepay Rider - Seller-03/20/2025 <br>Open-The Deed of Trust is Missing Provide updated DOT with Prepayment Rider check mark on it.<br> - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Letter of Intent to Re-record and corrected page 2 of the DOT with box checked for Prepay Rider - Seller-03/20/2025<br>| Resolved-received LOI and corrected page 2 with correct riders - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3644428 | N/A | N/A |
| XXXX | xxxxxx9629 |  |  | Closed | 2025-03-19 21:05 | 2025-03-21 12:46 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/21/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/20/2025 <br>Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/20/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/21/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3651844 | N/A | N/A |
| XXXX | xxxxxx7563 |  |  | Closed | 2025-03-18 09:10 | 2025-04-02 09:52 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Requested 12+ Months Housing History Provided hence resolved. - Due Diligence Vendor-04/02/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-04/01/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Housing history is 0 month, provide 12 months housing history. - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-Requested 12+ Months Housing History Provided hence resolved. - Due Diligence Vendor-04/02/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 3633193 | N/A | N/A |
| XXXX | xxxxxx9930 |  |  | Closed | 2025-03-19 09:28 | 2025-03-24 13:45 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. COC's - Seller-03/21/2025 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($2,363.00). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Provide COC for decrease in Lender Credits from Initial LE $2,363 to revised LE $893 & Final CD $0. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. COC's - Seller-03/21/2025<br>| Resolved-Resolved - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3643862 | N/A | N/A |
| XXXX | xxxxxx0331 |  |  | Closed | 2025-03-19 07:02 | 2025-03-25 16:37 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal 2 missing | Resolved-Both appraisals received, one of which was the missing one. System updated. Resolved. - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. Two Appraisals - Seller-03/25/2025 <br> Open-· Since the loan amount is over $XXXX, two appraisals are needed. Appraisal #2 is missing from the Loan File. Per the FNMA UCDP/SSR report, the second appraisal (the one missing) was conducted by Appraiser XXXX on XXXX with a value of $XXXX. Please provide this appraisal. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Two Appraisals - Seller-03/25/2025<br>| Resolved-Both appraisals received, one of which was the missing one. System updated. Resolved. - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3643212 | N/A | N/A |
| XXXX | xxxxxx0331 |  |  | Closed | 2025-03-19 08:17 | 2025-03-25 12:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception in these findings:<br> "Asset Depletion Guidelines max loan amount is $XXXX, lock desk will not allow DTI over 45% altough guidelines allow 50% DTI." - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. Exception Approval - Asset Depletion - Seller-03/24/2025 <br> Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX · Per the XXXX Matrix, the maximum loan amount for an Asset Utilization file (XXXX) is $XXXX. The current loan amount is above that at $XXXX. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Exception Approval - Asset Depletion - Seller-03/24/2025<br>| Waived-Exception in these findings:<br> "Asset Depletion Guidelines max loan amount is $XXXX, lock desk will not allow DTI over 45% altough guidelines allow 50% DTI." - Due Diligence Vendor-03/25/2025 | XXXX |  | (1) Number of months reserves = 336. Program requirements = 6.<br> (2) $29,859.40 in residual income.<br> (3) Reserves of $5,082,347.<br> (4) FICO score of 797 vs Program minimum of 740. | CA | Primary Residence | Purchase | NA | 3643728 | Originator Pre-Close | Yes |
| XXXX | xxxxxx0331 |  |  | Closed | 2025-03-19 07:28 | 2025-03-25 10:40 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/25/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025 <br>Open-Fraud Report Shows Uncleared Alerts · The CoreLogic LoanSafe Connect Alerts Summary document shows a total of 4 High alerts, only 1 of which were cleared; and 4 Low alerts, none of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/25/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3643383 | N/A | N/A |
| XXXX | xxxxxx7757 |  |  | Closed | 2025-03-21 15:22 | 2025-03-25 12:17 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025 <br> Open-Fraud Report Shows Uncleared Alerts · The XXXX XXXX Alerts Summary document shows a total of 10 Medium alerts, only 9 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3668479 | N/A | N/A |
| XXXX | xxxxxx7757 |  |  | Closed | 2025-03-19 10:53 | 2025-03-24 17:42 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy received. The Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien. Resolved. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. Final Title Policy - Seller-03/24/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount · Provide updated title with the correct coverage amount of $XXXX as the one provided reflects $XXXX, which is insufficient to cover the $XXXX loan amount. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Final Title Policy - Seller-03/24/2025<br>| Resolved-Final Title Policy received. The Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien. Resolved. - Due Diligence Vendor-03/24/2025 | XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3644171 | N/A | N/A |
| XXXX | xxxxxx7757 |  |  | Closed | 2025-03-19 10:49 | 2025-03-22 14:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Letter of Intent to Re-record was received. The DOT page is corrected, and all pages of the DOT as well as the Prepay Rider already provided. Issue resolved. - Due Diligence Vendor-03/22/2025 <br>Ready for Review-Document Uploaded. Letter of Intent to Re-Record with corrected pg2 of DOT box checked for Prepay Rider - Seller-03/21/2025 <br>Open-The Deed of Trust is Incomplete · The Mortgage document provided (page #2 of 16; section E "Riders") does have have the Prepayment Rider Fixed Percentage checked as being attached. Please provide a copy of the final recorded mortgage to show if that Rider was attached when recorded. - Due Diligence Vendor-03/19/2025 | Ready for Review-Document Uploaded. Letter of Intent to Re-Record with corrected pg2 of DOT box checked for Prepay Rider - Seller-03/21/2025<br>| Resolved-Letter of Intent to Re-record was received. The DOT page is corrected, and all pages of the DOT as well as the Prepay Rider already provided. Issue resolved. - Due Diligence Vendor-03/22/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3644158 | N/A | N/A |
| XXXX | xxxxxx7757 |  |  | Closed | 2025-03-21 15:13 | 2025-03-22 14:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-HUD-1 Document identified as the Final one provided. System updated. Resolved. - Due Diligence Vendor-03/22/2025 <br>Ready for Review-Document Uploaded. Final HUD1 signed by settlement agent - Seller-03/21/2025 <br>Open-Final HUD-1 Document is Preliminary/Estimated Only. · File is missing the HUD-1 or Settlement Statement that is marked or stamped as Final. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Final HUD1 signed by settlement agent - Seller-03/21/2025<br>| Resolved-HUD-1 Document identified as the Final one provided. System updated. Resolved. - Due Diligence Vendor-03/22/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 3668147 | N/A | N/A |
| XXXX | xxxxxx1003 |  |  | Closed | 2025-03-20 07:01 | 2025-03-25 11:14 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Updated Hazard Insurance Policy uploaded, Hazard Insurance Effective Date of XXXX is equal to the Note Date of XXXX , Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/25/2025 <br> Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. Property Insurance Policy - Seller-03/24/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Property Insurance Policy - Seller-03/24/2025<br>| Resolved-Updated Hazard Insurance Policy uploaded, Hazard Insurance Effective Date of XXXX is equal to the Note Date of XXXX , Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/25/2025 <br> Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/25/2025 | XXXX |  |  | MD | Primary Residence | Purchase | NA | 3654102 | N/A | N/A |
| XXXX | xxxxxx1003 |  |  | Closed | 2025-03-20 07:10 | 2025-03-25 11:13 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/25/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud report shows 1 uncleared alert. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/24/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/25/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3654127 | N/A | N/A |
| XXXX | xxxxxx8948 |  |  | Closed | 2025-03-20 04:55 | 2025-03-26 09:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated Fraud Report report. Resolved - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025 <br>Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025<br>| Resolved-Updated Fraud Report report. Resolved - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | NC | Investment | Refinance | Cash Out - Other | 3653791 | N/A | N/A |
| XXXX | xxxxxx8948 |  |  | Closed | 2025-03-20 04:34 | 2025-03-24 09:35 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/24/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-03/21/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-03/21/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/24/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | NC | Investment | Refinance | Cash Out - Other | 3653728 | N/A | N/A |
| XXXX | xxxxxx8106 |  |  | Closed | 2025-03-24 13:24 | 2025-03-26 12:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Re-saved PDF of fully executed Final HUD - Seller-03/25/2025 <br>Counter-File damaged will not let me open - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-03/24/2025 <br>Open-Final HUD-1 Document is Missing. Need the executed certified final Hud with payoff for lien that shows on the property. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Re-saved PDF of fully executed Final HUD - Seller-03/25/2025 <br>Ready for Review-Document Uploaded. Final HUD1 signed by all parties - Seller-03/24/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 3678201 | N/A | N/A |
| XXXX | xxxxxx8106 |  |  | Closed | 2025-03-20 12:08 | 2025-03-26 12:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Signed 1003 - Seller-03/25/2025 <br>Open-The Final 1003 is Incomplete, The 1003 that was provided is unsigned/undated. Please provide the Final 1003 that was borrower-executed at Closing.<br> - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Signed 1003 - Seller-03/25/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 3655454 | N/A | N/A |
| XXXX | xxxxxx8106 |  |  | Closed | 2025-03-20 06:20 | 2025-03-26 09:40 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared per updated report. Resolved<br> - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025<br>| Resolved-Fraud Report Alerts have been cleared per updated report. Resolved<br> - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 3653982 | N/A | N/A |
| XXXX | xxxxxx8106 |  |  | Closed | 2025-03-20 04:58 | 2025-03-26 09:37 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document provided. Resolved - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025 <br>Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025<br>| Resolved-1008 document provided. Resolved - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 3653797 | N/A | N/A |
| XXXX | xxxxxx0826 |  |  | Closed | 2025-03-20 07:44 | 2025-03-26 13:52 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Waived- - Due Diligence Vendor-03/26/2025 <br>Waived-The loan's (8.683%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.73%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-03/20/2025 |  | Waived-The loan's (8.683%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.73%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-03/20/2025<br>|  |  | Per External Counsel Appropriate to Waive as a B Grade | NC | Primary Residence | Purchase | NA | 3654236 | Originator Post-Close | No |
| XXXX | xxxxxx0826 |  |  | Closed | 2025-03-20 06:47 | 2025-03-26 07:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-03/26/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-03/25/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Borrower 1 Gap Credit report. Gap Credit Report missing in file. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-03/25/2025<br>| Resolved-Borrower 1 Gap Credit Report provided. - Due Diligence Vendor-03/26/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3654057 | N/A | N/A |
| XXXX | xxxxxx0826 |  |  | Closed | 2025-03-20 07:44 | 2025-03-26 13:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-03/26/2025 <br>Resolved-The loan's (8.683%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 511 and the Final Closing disclosure on Pg 352, Finding reflects escrows. Rate lock date was entered correctly – see Pg 344, 529. An interior and exterior appraisal was completed for this property – see pg 29, the appraisal disclosure was provided to the borrower(s)- see Pg 470, and confirmation the appraisal was delivered to the borrower – see Pg 28, 415-416. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-03/20/2025 |  | Resolved- - Due Diligence Vendor-03/26/2025 <br>Resolved-The loan's (8.683%) APR equals or exceeds the Federal HPML threshold of (8.23%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.73%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 511 and the Final Closing disclosure on Pg 352, Finding reflects escrows. Rate lock date was entered correctly – see Pg 344, 529. An interior and exterior appraisal was completed for this property – see pg 29, the appraisal disclosure was provided to the borrower(s)- see Pg 470, and confirmation the appraisal was delivered to the borrower – see Pg 28, 415-416. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-03/20/2025<br>|  |  |  | NC | Primary Residence | Purchase | NA | 3654235 | N/A | N/A |
| XXXX | xxxxxx6708 |  |  | Closed | 2025-03-20 13:09 | 2025-03-26 08:33 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared per updated report. Resolved - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud reprot shows uncleared alerts. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025<br>| Resolved-Fraud Report Alerts have been cleared per updated report. Resolved - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | OR | Second Home | Purchase | NA | 3656022 | N/A | N/A |
| XXXX | xxxxxx0325 |  |  | Closed | 2025-03-20 06:43 | 2025-03-25 12:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Electronically signed final 1003 provided. - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. 1003 is electronically signed as this is allowed. Wet signed docs are items like note and deed along with notarized docs - Seller-03/24/2025 <br>Counter-Final provided is an electrically signed doc. - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. Final 1003s - Seller-03/21/2025 <br>Open-The Final 1003 is Missing Provide Final 1003 for B1 and B2 as its missing in file. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. 1003 is electronically signed as this is allowed. Wet signed docs are items like note and deed along with notarized docs - Seller-03/24/2025 <br>Ready for Review-Document Uploaded. Final 1003s - Seller-03/21/2025<br>| Resolved-Electronically signed final 1003 provided. - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 3654042 | N/A | N/A |
| XXXX | xxxxxx0325 |  |  | Closed | 2025-03-20 07:11 | 2025-03-25 10:35 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Updated Lender Income Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. Income Worksheets - Seller-03/24/2025 <br>Open-Provide legible income sheet, the one in file has formatting issues and cannot be read. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Income Worksheets - Seller-03/24/2025<br>| Resolved-Updated Lender Income Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 3654129 | N/A | N/A |
| XXXX | xxxxxx0981 |  |  | Closed | 2025-03-20 11:51 | 2025-03-27 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income calculation provided, updated 1003/1008 info, DTI in line with updated 1008. - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. Income worksheet with updated 1003/1008 - Seller-03/26/2025 <br> Counter-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided Updated Lender Income Worksheet. worksheet Income$XXXX not matching with 1003/1008 $XXXX - Due Diligence Vendor-03/25/2025 <br> Ready for Review-Document Uploaded. COC's for the following dates: XXXX - Seller-03/24/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provided Updated Lender Income Worksheet. Lender worksheet Income$XXXX not matching with 1003/1008 $XXXX Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. Income worksheet with updated 1003/1008 - Seller-03/26/2025 <br> Ready for Review-Document Uploaded. COC's for the following dates: XXXX - Seller-03/24/2025 | Resolved-Income calculation provided, updated 1003/1008 info, DTI in line with updated 1008. - Due Diligence Vendor-03/27/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3655318 | N/A | N/A |
| XXXX | xxxxxx0981 |  |  | Closed | 2025-03-20 10:49 | 2025-03-27 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Updated Borrower 2 Photo Identification document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/27/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Document Uploaded. B2 ID - Seller-03/26/2025 <br>Open-Borrower 2 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide renewal Borrower 2 Driver License. Borrower 2 Driver License Expired. DL available on page 484. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. B2 ID - Seller-03/26/2025<br>| Resolved-Updated Borrower 2 Photo Identification document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-03/27/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/27/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3654922 | N/A | N/A |
| XXXX | xxxxxx0981 |  |  | Closed | 2025-03-21 02:08 | 2025-03-25 13:00 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-CoCs provided in other finding. Resolved, compliance updated and re-ran. Resolved. - Due Diligence Vendor-03/25/2025 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($13,497.60). The Last CD shows a total lender credit amount of ($13,125.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Provide COC for Lender Credits decreased from revised LE $2,219 to Initial CD $319.20 & revised CD $13,497.60 to Final CD $13,125 - Due Diligence Vendor-03/21/2025 |  | Resolved-CoCs provided in other finding. Resolved, compliance updated and re-ran. Resolved. - Due Diligence Vendor-03/25/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3664368 | N/A | N/A |
| XXXX | xxxxxx7823 |  |  | Closed | 2025-03-20 09:20 | 2025-04-04 15:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD rider uploaded. Resolved. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Open-PUD Rider is Missing Request to provide PUD rider as it is missing in file. As per appraisal on page #25 reflecting PUD HOA amount of $XXXX annually, as per 1008 on page #506 also reflect HOA amount of $XXXX but Deed of trust on page #383 PUD rider is not checked and PUD rider is missing in file and 1008 shows property type is 1 unit. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-PUD rider uploaded. Resolved. - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3654550 | N/A | N/A |
| XXXX | xxxxxx7823 |  |  | Closed | 2025-03-20 09:19 | 2025-04-04 15:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Seller-04/03/2025 <br> Open-The Deed of Trust is Missing Request to provide updated Deed of Trust to reflect the PUD rider check box.. As per appraisal on page #26 reflecting PUD HOA amount of $XXXX annually, as per 1008 on page #506 also reflect HOA amount of $XXXX monthly but Deed of trust on page #383 PUD rider is not checked and PUD rider is missing in file. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3654549 | N/A | N/A |
| XXXX | xxxxxx7823 |  |  | Closed | 2025-03-27 13:19 | 2025-03-31 14:34 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Resolved - Due Diligence Vendor-03/31/2025 <br> Ready for Review-Document Uploaded. ROR signed XXXX with an expiration date of XXXX. Loan didn't disburse until XXXX per the consummation CD in file. - Seller-03/27/2025 <br> Open-The disclosed "Right to Cancel Expire Date" (XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX). 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) The disclosed "Right to Cancel Expire Date" (XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX). - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. ROR signed XXXX with an expiration date of XXXX. Loan didn't disburse until XXXX per the consummation CD in file. - Seller-03/27/2025 | Resolved-Resolved - Due Diligence Vendor-03/31/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3707602 | N/A | N/A |
| XXXX | xxxxxx7823 |  |  | Closed | 2025-03-20 12:32 | 2025-03-27 13:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-CD uploaded. Resolved. - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Document Uploaded. - Seller-03/26/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure in file. <br> - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Resolved-CD uploaded. Resolved. - Due Diligence Vendor-03/27/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3655654 | N/A | N/A |
| XXXX | xxxxxx7823 |  |  | Closed | 2025-03-20 14:54 | 2025-03-27 08:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Identification Documentation Missing | Resolved-Updated Borrower 2 Citizenship Identification document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/27/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/27/2025 <br>Ready for Review-Document Uploaded. - Seller-03/26/2025 <br>Open-Borrower 2 Citizenship Identification Documentation which is provided on pg- 319 in file is expired. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. - Seller-03/26/2025<br>| Resolved-Updated Borrower 2 Citizenship Identification document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/27/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-03/27/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3657566 | N/A | N/A |
| XXXX | xxxxxx7823 |  |  | Closed | 2025-03-20 10:33 | 2025-03-26 09:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/26/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. - Seller-03/25/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender Worksheet / Income Calculator is Missing in file. - Due Diligence Vendor-03/20/2025 | Ready for Review-Document Uploaded. - Seller-03/25/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/26/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3654810 | N/A | N/A |
| XXXX | xxxxxx6556 |  |  | Closed | 2025-03-24 17:33 | 2025-03-26 11:47 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-A corrected DSCR calculator was received to match the PITIA. DSCR calculation matches the audit's. Issue resolved. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. DSCR calculations - Seller-03/25/2025 <br> Open-· The DSCR calculator provided lists $XXXX as property taxes with a total PITIA of $XXXX, calculating a DSCR of 1.3139. However, the First Payment Letter lists $190.86 for County Taxes + $XXXX for City Taxes = $XXXX Total Taxes. The Initial Escrow Account Disclosure Statement also confirms County Property Tax as well as the City Tax. Audit used the $XXXX for Total Taxes and a PITIA of $XXXX, thus calculating a DSCR of 1.2367. The lender-to-audit DSCR calculations are outside of tolerance. Corrected DSCR calculator is needed. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. DSCR calculations - Seller-03/25/2025<br>| Resolved-A corrected DSCR calculator was received to match the PITIA. DSCR calculation matches the audit's. Issue resolved. - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3681476 | N/A | N/A |
| XXXX | xxxxxx6556 |  |  | Closed | 2025-03-24 17:10 | 2025-03-26 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-A corrected 1008 was received. Issue resolved. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025 <br> Open-The 1008 document is missing from the loan file. · The 1008 provided lists $XXXX as property taxes with a total PITIA of $XXXX. However, the First Payment Letter lists $XXXX for County Taxes + $XXXX for City Taxes = XXXX Total Taxes. The Initial Escrow Account Disclosure Statement also confirms County Property Tax as well as the City Tax. The 1008 is missing the City Tax amount. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025<br>| Resolved-A corrected 1008 was received. Issue resolved. - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3681135 | N/A | N/A |
| XXXX | xxxxxx1521 |  |  | Closed | 2025-03-24 19:26 | 2025-03-26 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-a corrected 1008 was received. Issue resolved. - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025 <br> Open-The 1008 document is missing from the loan file. · Per the 1008 provided: (A.) Insurance is $XXXX per month. However, documentation in file shows insurance at $XXXX (÷12 = $XXXX) and $XXXX (÷12 = $XXXX) for a second policy. The Final CD confirms total insurance of $XXXX. The 1008 is missing the second insurance policy. (B.) The Sales Price and the Appraised Value are both listed as $XXXX. However, per the Appraisal, the Appraised value is actually $XXXX. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025<br>| Resolved-a corrected 1008 was received. Issue resolved. - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3682983 | N/A | N/A |
| XXXX | xxxxxx1521 |  |  | Closed | 2025-03-21 07:10 | 2025-03-25 11:23 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-03/24/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 · Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-03/24/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3665024 | N/A | N/A |
| XXXX | xxxxxx1521 |  |  | Closed | 2025-03-21 09:11 | 2025-03-26 13:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-. - Due Diligence Vendor-03/26/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.731%) equals or exceeds the California HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.88%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #588,593 and the Final Closing disclosure on Pg #325, Finding reflects escrows. Rate lock date was entered correctly – see Pg #594,603. An interior and exterior appraisal was completed for this property – see Pg #38, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #36,37,671.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/21/2025 |  | Resolved-. - Due Diligence Vendor-03/26/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.731%) equals or exceeds the California HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.88%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #588,593 and the Final Closing disclosure on Pg #325, Finding reflects escrows. Rate lock date was entered correctly – see Pg #594,603. An interior and exterior appraisal was completed for this property – see Pg #38, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #36,37,671.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/21/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3665311 | N/A | N/A |
| XXXX | xxxxxx1521 |  |  | Closed | 2025-03-21 09:11 | 2025-03-26 13:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-03/26/2025 <br>Resolved-The loan's (8.731%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #588,593 and the Final Closing disclosure on Pg #325, Finding reflects escrows. Rate lock date was entered correctly – see Pg #594,603. An interior and exterior appraisal was completed for this property – see Pg #38, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #36,37,671.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/21/2025 |  | Resolved-. - Due Diligence Vendor-03/26/2025 <br>Resolved-The loan's (8.731%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #588,593 and the Final Closing disclosure on Pg #325, Finding reflects escrows. Rate lock date was entered correctly – see Pg #594,603. An interior and exterior appraisal was completed for this property – see Pg #38, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #36,37,671.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/21/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3665312 | N/A | N/A |
| XXXX | xxxxxx6562 |  |  | Closed | 2025-03-24 18:16 | 2025-03-26 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/26/2025 <br>Resolved-Updated fraud page. - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025 <br>Open-Third Party Fraud Report Partially Provided Fraud report shows unclear on the report - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/26/2025 <br>Resolved-Updated fraud page. - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3681988 | N/A | N/A |
| XXXX | xxxxxx6562 |  |  | Closed | 2025-03-24 18:27 | 2025-03-25 12:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. Fully executed Final HUD1 - Seller-03/24/2025 <br>Open-Final HUD-1 Document is Missing. Need the executed final CD stamped and certified that shows loan payoff. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Fully executed Final HUD1 - Seller-03/24/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3682144 | N/A | N/A |
| XXXX | xxxxxx6562 |  |  | Closed | 2025-03-21 13:18 | 2025-03-25 12:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Other Rider is Missing | Resolved-Updated DOT Page. - Due Diligence Vendor-03/25/2025 <br>Ready for Review-Document Uploaded. DOT & All Riders - Seller-03/24/2025 <br>Open-GA Acknowledgement of Borrower Rights Rider missing. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. DOT & All Riders - Seller-03/24/2025<br>| Resolved-Updated DOT Page. - Due Diligence Vendor-03/25/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3666701 | N/A | N/A |
| XXXX | xxxxxx1104 |  |  | Closed | 2025-03-21 08:38 | 2025-03-26 13:03 | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Doc is missing. | Resolved-Notice to Guarantor provided. - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Notice to Guarantor - Seller-03/25/2025 <br>Open-Provided Personal Guaranty Document. Guaranty Document missing in file. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Notice to Guarantor - Seller-03/25/2025<br>| Resolved-Notice to Guarantor provided. - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | NJ | Investment | Purchase | NA | 3665250 | N/A | N/A |
| XXXX | xxxxxx6563 |  |  | Closed | 2025-03-21 12:26 | 2025-03-26 12:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. Final HUD1 showing both taxes being collected - Seller-03/25/2025 <br> Open-Final HUD-1 Document is Missing. As per the IED & DSCR Worksheet TAX Monthly Premium amount is $ XXXX/12=$XXXX(County Taxes $XXXX+Citi Taxes $XXXX) where as in FINAL HUD-1 Document showing only County Taxes is XXXX\*12=$XXXX Please Provide the updated Final Hud-1 document with County Taxes & City Taxes. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Final HUD1 showing both taxes being collected - Seller-03/25/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3666301 | N/A | N/A |
| XXXX | xxxxxx6563 |  |  | Closed | 2025-03-21 11:08 | 2025-03-26 12:30 | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-received ppp rider - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Prepay Rider - Seller-03/24/2025 <br>Open-Prepayment Rider Missing. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Prepay Rider - Seller-03/24/2025<br>| Resolved-received ppp rider - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3665752 | N/A | N/A |
| XXXX | xxxxxx6563 |  |  | Closed | 2025-03-21 10:33 | 2025-03-26 12:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/26/2025 <br>Open-The Deed of Trust is Missing Provide the updated DOT with PREPAYMENT PENALTY RIDER check mark on it. - Due Diligence Vendor-03/21/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/26/2025<br>|  |  |  | GA | Investment | Refinance | Cash Out - Other | 3665570 | N/A | N/A |
| XXXX | xxxxxx6563 |  |  | Closed | 2025-03-21 11:20 | 2025-03-26 08:38 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 document provided. Resolved - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025 <br> Open-The 1008 document is missing from the loan file. Provide the update 1008 with Monthly Property Tax Premium amount of $XXXX\*12= XXXX.(County Taxes $XXXX+City Taxes XXXX=XXXX) but 1008 Document showing as only $XXXX\*12=$XXXX(County Taxes showing only.) Tax Cert on page#732. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. 1008 - Seller-03/25/2025<br>| Resolved-Updated 1008 document provided. Resolved - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3665816 | N/A | N/A |
| XXXX | xxxxxx0469 |  |  | Closed | 2025-03-21 05:59 | 2025-03-26 09:58 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/26/2025 <br>Resolved-Fraud Report Alerts have been cleared per updated report. Resolved - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud report showsuncleared alerts. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/26/2025 <br>Resolved-Fraud Report Alerts have been cleared per updated report. Resolved - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3664820 | N/A | N/A |
| XXXX | xxxxxx0483 |  |  | Closed | 2025-03-21 08:23 | 2025-03-28 13:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. Compliance Response and explanation - Initial LE was issued on XXXX, not locked showing a credit of $2666. On the same day, but later we issued a locked Revised LE showing a credit of $1389. We have provided the COC for the LE being Locked. We were just explaining that nothing changed of the Initial CD or the Final CD, just that on our CD's is does show the actual amount which is $1388.80 instead of rounding up on the LE - Seller-03/27/2025 <br> Counter-We have other LE in file dated XXXX with credit in the amount of 2,666 is that CD to be omitted? We also have LE same date with credit for 1389. - Due Diligence Vendor-03/27/2025 <br> Ready for Review- - Due Diligence Vendor-03/27/2025 <br> Ready for Review-Document Uploaded. Attached COC with detail regarding the specific pricing change disclosed on the Locked LE/COC. Please also note the reason for the change in cents from Locked LE at $1389 to Initial CD at $1388.80, as the LE form always rounds up and does not include cents. <br> - Seller-03/26/2025 <br> Counter-Have this COC in file for the initial credit however we do not have COC for wen the credit decreased - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. COC/LE XXXX for lock - Seller-03/24/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($2,666.00). The Last CD shows a total lender credit amount of ($1,388.80). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credits are decreased from $2660 (revised LE) to $1388.80 (initial CD). Provide a valid COC to cure this. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Compliance Response and explanation - Initial LE was issued on XXXX, not locked showing a credit of $XXXX. On the same day, but later we issued a locked Revised LE showing a credit of $XXXX. We have provided the COC for the LE being Locked. We were just explaining that nothing changed of the Initial CD or the Final CD, just that on our CD's is does show the actual amount which is $XXXX instead of rounding up on the LE - Seller-03/27/2025 <br> Ready for Review-Document Uploaded. Attached COC with detail regarding the specific pricing change disclosed on the Locked LE/COC. Please also note the reason for the change in cents from Locked LE at $XXXX to Initial CD at $XXXX, as the LE form always rounds up and does not include cents. <br> - Seller-03/26/2025 <br> Ready for Review-Document Uploaded. COC/LE XXXX for lock - Seller-03/24/2025 | Resolved-Resolved - Due Diligence Vendor-03/28/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3665225 | N/A | N/A |
| XXXX | xxxxxx0483 |  |  | Closed | 2025-03-24 20:14 | 2025-03-26 12:12 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008, and 1003 pages. - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Updated 1003 and 1008 for the property added back into DTI - Seller-03/25/2025 <br>Open-Need the purchase contract of the prior primary is pending sale. Do not have copy of the contract. If not under contract will need to include in the DTI. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. Updated 1003 and 1008 for the property added back into DTI - Seller-03/25/2025<br>| Resolved-Updated 1008, and 1003 pages. - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3683418 | N/A | N/A |
| XXXX | xxxxxx0483 |  |  | Closed | 2025-03-21 07:49 | 2025-03-26 06:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/26/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025 <br>Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-03/25/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3665132 | N/A | N/A |
| XXXX | xxxxxx0023 |  |  | Closed | 2025-03-26 15:26 | 2025-03-29 13:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/29/2025 <br>Ready for Review-Document Uploaded. Updated 1003 showing as Investment - Seller-03/28/2025 <br>Open-The prior primary on final 1003 still is showing as primary - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. Updated 1003 showing as Investment - Seller-03/28/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-03/29/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3699188 | N/A | N/A |
| XXXX | xxxxxx9404 |  |  | Closed | 2025-03-28 12:47 | 2025-04-01 18:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close, dated XXXX, Was Provided. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Seller-04/01/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd Party VOE Prior to Close document, as it is missing in file. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. - Seller-04/01/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close, dated XXXX, Was Provided. - Due Diligence Vendor-04/01/2025 | XXXX |  |  | CA | Investment | Purchase | NA | 3717436 | N/A | N/A |
| XXXX | xxxxxx9404 |  |  | Closed | 2025-03-31 19:21 | 2025-04-01 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document was Provided And is Complete. Updated the system & Resolved. - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. All pages should be present. - Seller-04/01/2025 <br>Open-Title Document is Incomplete · The Title document provided contains only pages 1-5 of 10. Pages 6-10 of 10 are missing. - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. All pages should be present. - Seller-04/01/2025<br>| Resolved-Title Document was Provided And is Complete. Updated the system & Resolved. - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 3734137 | N/A | N/A |
| XXXX | xxxxxx9323 |  |  | Closed | 2025-03-24 05:17 | 2025-04-10 13:49 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 25.28 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/09/2025 <br>Ready for Review- - Due Diligence Vendor-04/09/2025 <br>Counter-1003 shows pending nets sale now. Can you provide the proceeds from the sale? - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. - Seller-04/08/2025 <br>Open-Audited Reserves of 2.77 month(s) are less than Guideline Required Reserves of 6 month(s) Reserves do not match amount on final 1003 or 1008. Need more reserves to meet GL. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Audited Reserves of 25.28 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3676134 | N/A | N/A |
| XXXX | xxxxxx9323 |  |  | Closed | 2025-03-24 07:39 | 2025-04-09 13:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Documents uploaded. Resolved. - Due Diligence Vendor-04/09/2025 <br> Ready for Review-Document Uploaded. - Seller-04/08/2025 <br> Open-TRID: Missing Final Closing Disclosure Provide updated Final CD, as escrow amount $XXXX transfer to escrow deposit account from seller agent, we have escrow wire proof page #607, but in final Cd escrow deposit amount is not reflecting, because of that cash to close amount is reflecting $XXXX, hence there is difference in asset reserves. - Due Diligence Vendor-03/24/2025 | Ready for Review-Document Uploaded. - Seller-04/08/2025<br>| Resolved-Documents uploaded. Resolved. - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3676486 | N/A | N/A |
| XXXX | xxxxxx7746 |  |  | Closed | 2025-03-26 13:44 | 2025-04-07 14:20 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record 3 Meets G/L Requirements. Proof for Pending Net Sale Proceeds provided. - Due Diligence Vendor-04/01/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Asset Proof for $XXXX from Pending Net Sale Proceeds from Real Estate Assets is missing to validate the asset to cover liquid funds to post close and Required reserves. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-Asset Record 3 Meets G/L Requirements. Proof for Pending Net Sale Proceeds provided. - Due Diligence Vendor-04/01/2025 <br>Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | CA | Investment | Purchase | NA | 3697478 | N/A | N/A |
| XXXX | xxxxxx7746 |  |  | Closed | 2025-03-24 08:24 | 2025-04-04 15:52 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Disbursement date is XXXX per HUD. HOI effective date is before on XXXX. - Due Diligence Vendor-04/04/2025 <br> Ready for Review-Document Uploaded. - Seller-04/02/2025 <br> Counter-Can you re-upload the doc. Unable to open. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance Effective Date of XXXX , is same as Disbursement date. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-Disbursement date is XXXX per HUD. HOI effective date is before on XXXX. - Due Diligence Vendor-04/04/2025 | XXXX |  |  | CA | Investment | Purchase | NA | 3676623 | N/A | N/A |
| XXXX | xxxxxx9305 |  |  | Closed | 2025-03-28 13:27 | 2025-04-03 20:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested updated Income calculation provided hence resolved. - Due Diligence Vendor-04/02/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. The income worksheet for asset utilization does not have a section to deduct all that is required to be deducted for "Asset Utilization for Use as Income with DTI". The worksheet is designed for the No DTI. For the program we used, it falls under DTI so we take the qualifying income which is from the income worksheet then to get to the amount we can use, we have to deduct from that, the down payment, reserves and closing costs which is all broken down on attached along with guidelines. The income used was most conservative. Please re-review - Seller-04/01/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Asset Utilization Calculator on Page #796 reflects Total Qualifying other Income of $XXXX whereas the Final 1003 & 1008 reflects $XXXX. Asper GL we can use Checking, Saving, Money Market accounts 100%. - Due Diligence Vendor-03/28/2025 | Ready for Review-Document Uploaded. The income worksheet for asset utilization does not have a section to deduct all that is required to be deducted for "Asset Utilization for Use as Income with DTI". The worksheet is designed for the No DTI. For the program we used, it falls under DTI so we take the qualifying income which is from the income worksheet then to get to the amount we can use, we have to deduct from that, the down payment, reserves and closing costs which is all broken down on attached along with guidelines. The income used was most conservative. Please re-review - Seller-04/01/2025<br>| Resolved-Requested updated Income calculation provided hence resolved. - Due Diligence Vendor-04/02/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 3717856 | N/A | N/A |
| XXXX | xxxxxx9305 |  |  | Closed | 2025-03-25 05:28 | 2025-04-02 10:25 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Requested updated Income calculation provided & now DTI & HTI are matching.<br> - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. The income worksheet for asset utilization does not have a section to deduct all that is required to be deducted for "Asset Utilization for Use as Income with DTI". The worksheet is designed for the No DTI. For the program we used, it falls under DTI so we take the qualifying income which is from the income worksheet then to get to the amount we can use, we have to deduct from that, the down payment, reserves and closing costs which is all broken down on attached along with guidelines. The income used was most conservative - Seller-04/01/2025 <br> Open-HTI & DTI discrepancy is due to the Asset Utilization Calculator on Page #796 reflects Total Qualifying other Income of $XXXX whereas the Final 1003 & 1008 reflects other income of $XXXX. - Due Diligence Vendor-03/25/2025 | Ready for Review-Document Uploaded. The income worksheet for asset utilization does not have a section to deduct all that is required to be deducted for "Asset Utilization for Use as Income with DTI". The worksheet is designed for the No DTI. For the program we used, it falls under DTI so we take the qualifying income which is from the income worksheet then to get to the amount we can use, we have to deduct from that, the down payment, reserves and closing costs which is all broken down on attached along with guidelines. The income used was most conservative - Seller-04/01/2025<br>| Resolved-Requested updated Income calculation provided & now DTI & HTI are matching.<br> - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 3685681 | N/A | N/A |
| XXXX | xxxxxx9293 |  |  | Closed | 2025-03-26 09:50 | 2025-04-02 13:14 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing PCCD. | Resolved-PCCD uploaded in other condition. - Due Diligence Vendor-04/02/2025 <br> Ready for Review-Document Uploaded. - Seller-03/31/2025 <br> Open-There is a wire transfer/deposit of $XXXX to settlement agent (Wonderland Escrow) dated on XXXX which is after closing date. And No PCCD provided in file. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-PCCD uploaded in other condition. - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3695694 | N/A | N/A |
| XXXX | xxxxxx9293 |  |  | Closed | 2025-03-26 09:48 | 2025-04-02 13:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD uploaded in other condition. Resolved. - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure in file. <br> - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-Initial CD uploaded in other condition. Resolved. - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3695691 | N/A | N/A |
| XXXX | xxxxxx9293 |  |  | Closed | 2025-03-26 09:41 | 2025-04-02 13:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/02/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025 <br>Open-Evidence of Rate Lock Missing Unable to determine Rate lock/Loan locked. No supportive documents like revised LE or COC or Rate lock agreement states loan is locked. - Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/02/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3695680 | N/A | N/A |
| XXXX | xxxxxx8431 |  |  | Closed | 2025-03-26 12:15 | 2025-04-01 16:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Document received. Resolved - Due Diligence Vendor-04/01/2025 <br>Ready for Review-We don't have a discount points disclosure. Is the COC not sufficient? - Seller-03/31/2025 <br>Open-Provide Discount Points Disclosure. Discount Points Disclosure document Missing in file. - Due Diligence Vendor-03/26/2025 | Ready for Review-We don't have a discount points disclosure. Is the COC not sufficient? - Seller-03/31/2025<br>| Resolved-Document received. Resolved - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3696546 | N/A | N/A |
| XXXX | xxxxxx9578 |  |  | Closed | 2025-03-27 17:08 | 2025-04-01 12:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-12 months housing history verified.12 months Rent proof checks provided. - Due Diligence Vendor-04/01/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/01/2025 <br>Ready for Review-Document Uploaded. - Seller-03/31/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower living in rent per Final 1003 but VOR is missing. Provide VOR to verify the 12 months housing history. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-03/31/2025<br>| Resolved-12 months housing history verified.12 months Rent proof checks provided. - Due Diligence Vendor-04/01/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/01/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3710909 | N/A | N/A |
| XXXX | xxxxxx8494 |  |  | Closed | 2025-03-27 05:16 | 2025-04-09 12:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. NOte and DOT attached. - Seller-04/08/2025 <br>Counter-This is not the right DOT. - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Open-The Deed of Trust is Missing Provide the updated Deed of Trust, as only 1st page is present in file, remaining pages are missing. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. NOte and DOT attached. - Seller-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 3705368 | N/A | N/A |
| XXXX | xxxxxx8494 |  |  | Closed | 2025-03-27 05:05 | 2025-04-09 12:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. Note and DOT attached.l - Seller-04/08/2025 <br>Counter-This is not the right NOTE. - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Open-The Note is Incomplete Provide updated Note, as 1st page is missing in file. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. Note and DOT attached.l - Seller-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 3705339 | N/A | N/A |
| XXXX | xxxxxx8494 |  |  | Closed | 2025-03-27 12:30 | 2025-04-04 09:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Pension Stub & Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. calculation worksheet attached. qualified off gross monthly earnings. Stub is in file and attached. - Seller-04/03/2025 <br>Open-Provide the supporting documents for pension, unable to verify income from 1099. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. calculation worksheet attached. qualified off gross monthly earnings. Stub is in file and attached. - Seller-04/03/2025<br>| Resolved-Pension Stub & Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 3707106 | N/A | N/A |
| XXXX | xxxxxx8494 |  |  | Closed | 2025-03-27 05:45 | 2025-04-04 09:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender worksheet, as it is missing in file. - Due Diligence Vendor-03/27/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/04/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/04/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 3705440 | N/A | N/A |
| XXXX | xxxxxx8288 |  |  | Closed | 2025-03-31 06:36 | 2025-04-08 20:16 | Resolved | 1 - Information A | Compliance | Disclosure | Missing PCCD. | Resolved-PCCD received with gift funds referenced. - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. - Seller-04/03/2025 <br>Open-As per gift letters and wire transfers, the Gift Funds for $270,000 are not listed on the Final Closing Disclosure. Requesting updated PCCD with gift amount.<br> - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/03/2025<br>| Resolved-PCCD received with gift funds referenced. - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 3727197 | N/A | N/A |
| XXXX | xxxxxx8288 |  |  | Closed | 2025-03-31 06:35 | 2025-04-03 10:50 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. - Seller-04/02/2025 <br>Open-Matrix Version Date is missing in the Lender Approval Form - Due Diligence Vendor-03/31/2025 | Ready for Review-Document Uploaded. - Seller-04/02/2025<br>| Resolved-Updated Lender Approval Form uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/03/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 3727187 | N/A | N/A |
| XXXX | xxxxxx9934 |  |  | Closed | 2025-04-01 06:15 | 2025-05-22 16:04 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Waived-The loan's (8.285%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.62%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel Appropriate to Waive as a B Grade. - Due Diligence Vendor-05/22/2025 <br>Waived-The loan's (8.285%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.62%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel Appropriate to Waive as a B Grade. - Due Diligence Vendor-04/01/2025 |  | Waived-The loan's (8.285%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.62%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel Appropriate to Waive as a B Grade. - Due Diligence Vendor-05/22/2025 <br>Waived-The loan's (8.285%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.62%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel Appropriate to Waive as a B Grade. - Due Diligence Vendor-04/01/2025<br>|  |  | Per External Counsel Appropriate to Waive as a B Grade | NC | Primary Residence | Refinance | Cash Out - Other | 3737123 | Originator Post-Close | No |
| XXXX | xxxxxx9934 |  |  | Closed | 2025-04-01 06:15 | 2025-04-01 07:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.285%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s436<br> Final Closing disclosure on Pg#'179<br> Rate lock doc on pg-178.<br> An interior and exterior appraisal was completed for this property on pg-41. <br> A copy of the appraisal was given to the borrower on pgs-491, 492-494.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 36-38.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-04/01/2025 |  | Resolved-The loan's (8.285%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s436<br> Final Closing disclosure on Pg#'179<br> Rate lock doc on pg-178.<br> An interior and exterior appraisal was completed for this property on pg-41. <br> A copy of the appraisal was given to the borrower on pgs-491, 492-494.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 36-38.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-04/01/2025<br>|  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 3737122 | N/A | N/A |
| XXXX | xxxxxx8312 |  |  | Closed | 2025-04-01 04:45 | 2025-04-02 16:28 | Rescinded | 1 - Information A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Variance in Points and Broker fees are less than $.99. - Due Diligence Vendor-04/02/2025 <br>Resolved-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Variance in Points and Broker fees are less than $.99. - Due Diligence Vendor-04/01/2025 |  | Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Variance in Points and Broker fees are less than $.99. - Due Diligence Vendor-04/02/2025 <br>Resolved-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Variance in Points and Broker fees are less than $.99. - Due Diligence Vendor-04/01/2025<br>|  |  |  | CT | Primary Residence | Purchase | NA | 3736838 | N/A | N/A |
| XXXX | xxxxxx9223 |  |  | Closed | 2025-04-04 17:17 | 2025-04-11 17:48 | Resolved | 1 - Information C A | Credit | Credit | Letter of Explanation (Assets) missing or unexecuted | Resolved-Access letter to bank account received. - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/10/2025 <br> Open-Borrower withdrew funds of $XXXX from business account on page 377 and deposited into personal account on page 63. Borrower only owns 50% business. Need letter from joint business owner allowing access of business funds for $XXXX. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. - Seller-04/10/2025<br>| Resolved-Access letter to bank account received. - Due Diligence Vendor-04/11/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3786373 | N/A | N/A |
| XXXX | xxxxxx9223 |  |  | Closed | 2025-04-02 08:46 | 2025-04-09 13:42 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved, COC received. - Due Diligence Vendor-04/09/2025 <br>Ready for Review-Document Uploaded. COC attached - Seller-04/08/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Recording Service Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Recording Service Fee $9.50 is added in Final CD section B but COC for the same is not available. Provide COC for adding Recording Service Fee $9.50. - Due Diligence Vendor-04/02/2025 | Ready for Review-Document Uploaded. COC attached - Seller-04/08/2025<br>| Resolved-Resolved, COC received. - Due Diligence Vendor-04/09/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3748784 | N/A | N/A |
| XXXX | xxxxxx9385 |  |  | Closed | 2025-04-02 08:52 | 2025-04-02 08:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.385%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 376 and the Final Closing disclosure on Pg#'s 204, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 387. An interior and exterior appraisal was completed for this property – see pg 29, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 462, and confirmation the appraisal was delivered to the borrower – see Pg#'s 27-28. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/02/2025 |  | Resolved-The loan's (9.385%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 376 and the Final Closing disclosure on Pg#'s 204, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 387. An interior and exterior appraisal was completed for this property – see pg 29, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 462, and confirmation the appraisal was delivered to the borrower – see Pg#'s 27-28. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/02/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3748827 | N/A | N/A |
| XXXX | xxxxxx8880 |  |  | Closed | 2025-04-03 10:52 | 2025-04-10 12:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD uploaded. Mavent passed. - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. - Seller-04/09/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial closing disclosure document, as Initial CD is missing in file, we can't run the compliance without Initial CD. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/09/2025<br>| Resolved-Initial CD uploaded. Mavent passed. - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3761033 | N/A | N/A |
| XXXX | xxxxxx8880 |  |  | Closed | 2025-04-03 10:52 | 2025-04-10 10:30 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/10/2025 <br>Ready for Review-Document Uploaded. - Seller-04/09/2025 <br>Open-Provide lender approval form, as it is missing in file. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. - Seller-04/09/2025<br>| Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3761028 | N/A | N/A |
| XXXX | xxxxxx6054 |  |  | Closed | 2025-04-09 08:17 | 2025-04-11 10:30 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/11/2025 <br> Ready for Review-Document Uploaded. - Seller-04/10/2025 <br> Open-Loan amount is > $XXXX, One Appraisal completed by an XXXX is provided but require Additional valuation XXXX) or XXXX) to support value regardless of the SSR score. Provide Additional valuation product for securitization requirements. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. - Seller-04/10/2025<br>| Resolved-Secondary Valuation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/11/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3814275 | N/A | N/A |
| XXXX | xxxxxx0906 |  |  | Closed | 2025-04-08 05:40 | 2025-04-15 09:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Borrower 1 Photo Identification uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/15/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. - Seller-04/14/2025 <br>Open-Borrower 1 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Borrower is Permanent resident Alien, in file on pg-593 permanent resident card is available but missing with Drivers license/passport. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. - Seller-04/14/2025<br>| Resolved-Borrower 1 Photo Identification uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/15/2025 <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-04/15/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 3802471 | N/A | N/A |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxxx0474 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0849 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8670 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.2 | XXXX |
| xxxxxx6381 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx9417 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 62.97 | 62.97 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.8 | XXXX |
| xxxxxx8514 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 2000 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| xxxxxx0898 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2274 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx1097 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | -20000 | XXXX | 2000 One Unit Appraisal Field Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | -20000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7215 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.27 | 60.27 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1.4 | XXXX |
| xxxxxx5822 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.4 | XXXX |
| xxxxxx7850 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.6 | XXXX |
| xxxxxx8533 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.82 | 73.82 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| xxxxxx9587 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| xxxxxx9712 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx0498 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx9782 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0101 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.4 | XXXX |
| xxxxxx0897 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.5 | XXXX |
| xxxxxx1498 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 7000 | XXXX | 1004 URAR | XXXX |  | XXXX |  | XXXX | 7000 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| xxxxxx0284 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.35 | 78.35 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| xxxxxx1164 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 27.03 | 27.03 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| xxxxxx8898 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8079 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1475 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.34 | 74.34 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| xxxxxx1434 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| xxxxxx9838 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 48.81 | 48.81 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx7346 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0333 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx6695 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| xxxxxx9583 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.4 | 60.4 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx1462 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.2 | XXXX |
| xxxxxx1846 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 78.96 | 78.96 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| xxxxxx9629 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 55.0 | 55.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx7563 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 43.48 | 43.48 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1.1 | XXXX |
| xxxxxx1813 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx9930 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0331 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | -25000 | XXXX | 1004 URAR | XXXX |  | XXXX |  | XXXX | -25000 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.7 | XXXX |
| xxxxxx7757 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1003 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx8948 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.23 | 59.23 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  | XXXX |
| xxxxxx7468 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.94 | 69.94 | XXXX | -15000 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | -15000 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.3 | XXXX |
| xxxxxx8106 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0826 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx6708 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 75000 | XXXX | 1004 URAR | XXXX |  | XXXX |  | XXXX | 75000 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 75000 | XXXX | XXXX | Indeterminate | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 5 | XXXX |
| xxxxxx0325 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx0981 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.95 | 78.95 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| xxxxxx7823 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.1 | XXXX |
| xxxxxx6556 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1521 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| xxxxxx1406 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| xxxxxx6562 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1104 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.2 | XXXX |
| xxxxxx6563 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx0469 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.5 | XXXX |
| xxxxxx0483 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| xxxxxx9094 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2 | XXXX |
| xxxxxx0580 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.5 | XXXX |
| xxxxxx0023 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| xxxxxx9404 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | MODERATE RISK | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.3 | XXXX |
| xxxxxx9323 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx7746 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.82 | 65.82 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.1 | XXXX |
| xxxxxx9305 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx9634 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| xxxxxx7067 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.5 | XXXX |
| xxxxxx9293 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx8431 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 62.21 | 62.21 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.3 | XXXX |
| xxxxxx8123 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 68.17 | 68.17 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.5 | XXXX |
| xxxxxx8707 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 47.06 | 47.06 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3 | XXXX |
| xxxxxx9578 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.7 | XXXX |
| xxxxxx8494 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 55.56 | 55.56 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| xxxxxx1028 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.94 | 63.94 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx8288 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.9 | XXXX |
| xxxxxx8438 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| xxxxxx9934 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 4.8 | XXXX |
| xxxxxx8312 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 62.26 | 62.26 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.6 | XXXX |
| xxxxxx9379 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx9893 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.8 | XXXX |
| xxxxxx9223 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.6 | 79.6 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| xxxxxx9385 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx9814 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.72 | 46.72 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1.4 | XXXX |
| xxxxxx8880 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.93 | 70.93 | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 4.2 | XXXX |
| xxxxxx6054 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.99 | 79.99 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX | 0 | XXXX | Desk Review | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.7 | XXXX |
| xxxxxx9014 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx0906 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx8142 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx9406 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.0 | 50.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) | XXXX |  | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.2 | XXXX |

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| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
|  | xxxxxx0474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 729 | 718 | 744 | 729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 20.58 | 22.89 | 22729.91 | .00 | .00 | .00 | 22729.91 | Employed |  |  |  | 9.23 |  |  |  | NA | 17528.08 | 5201.83 | Taxes and Insurance | 35.78 | 167327.24 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | 4011.91 | 4011.91 | 664.92 | 4676.83 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 161827.24 | 1425 | 1 | 44793 | 212 | 6 | 0.48473619198870654 | 7.50 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | xxxxxx0849 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 765 | 746 | 765 | 765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 0 | No Escrow | 148.45 | 383749.75 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 2191.41 | 2191.41 | 0 | 2585.08 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 6206.25 | 5 | 0 | 339 | 0 | 0 | 30 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx8670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 708 | 716 | 708 | 642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.33 | 31.09 | 15815.30 | .00 | .00 | .00 | 15815.30 | Employed |  |  |  | 4.32 |  |  |  | NA | 10898.16 | 4917.14 | Taxes and Insurance | 18.97 | 45995.36 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.625 | 9.625 | 1912.48 | 1912.48 | 511.8 | 2424.28 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 3900.5 | 1 | 15510 | 114 | 6 | 0.2601764067732654 | 0 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | xxxxxx6381 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 729 | 715 | 733 | 729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 42.07 | 42.07 | 6801.07 | .00 | .00 | .00 | 6801.07 | Employed |  |  |  | 20.48 |  |  |  | NA | 3939.58 | 2861.49 | Taxes and Insurance | 12.33 | 35279.4 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | 2303.98 | 2303.98 | 557.51 | 2861.49 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 35279.4 | 1425 | 2 | 42983 | 7 | 4 | 1.0056129032258065 | 7.16 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | xxxxxx9417 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 680 | 685 | 680 | 674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 2.6 | 20.81 | 37586.37 | .00 | .00 | .00 | 37586.37 | Employed |  |  |  | 21.84 |  |  |  | NA | 29766.37 | 7820 | Taxes and Insurance | 144.75 | 505708.05 | XXXX | XXXX | 62.97 | 62.97 | 62.97 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7 | 7 | 3326.51 | 3326.51 | 167.25 | 3493.76 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 486557.19 | 8925 | 2 | 25191 | 201 | 10 | 0.6254213626613095 | 21.08 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx8514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 707 |  | 718 | 707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 5.07 | 45.59 | 11439.42 | .00 | .00 | .00 | 11439.42 | Employed |  |  |  | 4.44 |  |  |  | NA | 6224.73 | 5214.69 | Taxes and Insurance | 20.2 | 86493.12 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.99 | 7.99 | 3342.79 | 3342.79 | 939.41 | 4282.2 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 11462.72 | 1 | 60854 | 234 | 10 | 0.38049872850798955 | 15 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx0898 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 711 | 713 | 708 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 10.5 | 17.76 | 59914.81 | .00 | .00 | .00 | 59914.81 | Employed |  |  |  | 4.82 |  |  |  | NA | 49272.94 | 10641.87 | Taxes and Insurance | 18.57 | 116768.32 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.99 | 9.99 | 5800.25 | 5800.25 | 488.62 | 6288.87 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1835.13 | 1 | 92987 | 89 | 11 | 0.2229736211031175 | 6 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | xxxxxx2274 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 720 | 708 | 725 | 720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 0 | Taxes and Insurance | 142.11 | 377696.09 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.75 | 6.75 | 2140.37 | 2140.37 | 483.71 | 2657.77 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 321488.79 | 1838.3 | 2 | 0 | 249 | 0 | 0 | 22 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx1097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen |  | false | XXXX | 659 | 662 | 645 | 659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | IN | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 0 | Taxes and Insurance | 8.53 | 30014.64 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.99 | 8.99 | 2982.48 | 2982.48 | 498.5 | 3517.31 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 2000 One Unit Appraisal Field Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 10474.720000000001 | 2 | 0 | 77 | 0 | 0 | 4 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx7215 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 754 | 779 | 750 | 754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 760 | 766 | 760 | 737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 34.1 | 49.51 | 4664.55 | 5511.05 | .00 | .00 | 10175.60 | Employed | Employed |  |  | 1.78 | 13.97 |  |  | NA | 5137.68 | 5037.92 | No Escrow | 18.36 | 63708.72 | XXXX | XXXX | 60.27 | 60.27 | 60.27 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | 2791.81 | 2791.81 | 0 | 3469.92 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1995 | 1 | 18985 | 148 | 6 | 0.19880645916218115 | 10 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx5822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 778 | 769 | 778 | 780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  |  | XXXX | 776 | 770 | 788 | 776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | 2YR Full Doc | Primary Residence | Refinance | Rate and Term | 21.65 | 22.81 | 44162.33 | .00 | .00 | .00 | 44162.33 | Employed | Not Employed |  |  | 11.57 |  |  |  | 3 YRS | 34088.33 | 10074 | Taxes and Insurance | 3.66 | 34976.12 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 7863.44 | 7863.44 | 1594.49 | 9562.07 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 0 | 1 | 75000 | 272 | 2 | 0.163024 | 1.25 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx7850 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 790 | 793 | 790 | 779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX |  | 793 | 784 | 790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 | Not Employed | Not Employed |  |  |  |  |  |  | Yes |  | 11218.77 | Taxes and Insurance | 413.27 | 3275463.92 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 6700.67 | 6700.67 | 1225.1 | 7925.77 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 0 | 1 | 23700 | 229 | 2 | 0.14060924369747899 | 8.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx8533 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 784 | 785 | 784 | 775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 19.59 | 42.57 | 17864.64 | .00 | .00 | .00 | 17864.64 | Employed |  |  |  | 39.69 |  |  |  | NA | 10259.88 | 7604.76 | No Escrow | 7.08 | 28075.03 | XXXX | XXXX | 73.82 | 73.82 | 73.82 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.499 | 7.499 | 3277.25 | 3277.25 | 0 | 3964.76 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 6 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 28075.03 | 6486.19 | 2 | 9000 | 215 | 4 | 0.21335443037974683 | 10.58 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx9587 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 666 | 656 | 731 | 666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 15.8 | 28066.87 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.875 | 7.875 | 1250.74 | 1250.74 | 183.53 | 1776.27 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 2287.52 | 3 | 0 | 365 | 0 | 0 | 3 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx9712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 636 | 612 | 636 | 647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 6.97 | 12774.28 | XXXX | XXXX | 65 | 65 | 65 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 9.25 | 9.25 | 1302.71 | 1302.71 | 504.96 | 1832.67 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 12774.28 | 3055.87 | 5 | 0 | 367 | 0 | 0 | 11 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx0498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 722 | 722 | 729 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 4.31 | 7.37 | 119811.58 | .00 | .00 | .00 | 119811.58 | Employed |  |  |  | 7.37 |  |  |  | NA | 110983 | 8828.58 | Taxes and Insurance | 14.19 | 73293.77 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | 4283.35 | 4283.35 | 880.17 | 5163.53 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 350 | 1 | 41511 | 104 | 15 | 0.2731743666169896 | 2 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx9782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen |  | false | XXXX | 649 | 649 | 628 | 663 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Home Improvement/Reno | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 2700 | Taxes and Insurance | 17.33 | 79292.79 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.625 | 8.625 | 3538.94 | 3538.94 | 719.63 | 4574.99 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 79292.79 | 7809.9 | 1 | 0 | 156 | 0 | 0 | 5.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx0101 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 707 | 697 | 707 | 713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 1647 | Taxes and Insurance | 36.88 | 55119.28 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.625 | 6.625 | 1152.56 | 1152.56 | 342.04 | 1494.6 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 40704.28 | 12516.6 | 3 | 0 | 175 | 0 | 0 | 8.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx0897 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 727 | 738 | 653 | 727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 2.33 | 3.47 | 655480.63 | .00 | .00 | .00 | 655480.63 | Employed |  |  |  | 3.73 |  |  |  | Yes | 632740.48 | 22740.15 | Taxes and Insurance | 11.57 | 176775.09 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.375 | 8.375 | 13890.32 | 13890.32 | 1388.55 | 15278.87 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AH | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425 | 3 | 56000 | 123 | 11 | 0.02478865406006674 | 5.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx1498 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 733 | 728 | 733 | 745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 19.77 | 26.23 | 28601.61 | .00 | .00 | .00 | 28601.61 | Employed |  |  |  | 2.18 |  |  |  | 3 YRS | 21100.05 | 7501.56 | Taxes and Insurance | 9.04 | 51136.67 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 9.625 | 9.625 | 5377.88 | 5377.88 | 276.08 | 5653.96 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 4588.5 | 1 | 39185 | 23 | 3 | 0 | 0.75 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | xxxxxx0284 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 756 | 793 | 740 | 756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 150.14 | 360823.87 | XXXX | XXXX | 78.35 | 78.35 | 78.35 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 2243.48 | 2243.48 | 159.85 | 2403.33 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 322003.8 | 7538.55 | 10 | 0 | 314 | 0 | 0 | 3.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx1164 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 693 | 693 | 686 | 700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 688 | 688 | 680 | 712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  | 15.87 |  |  |  |  |  | 0 | No Escrow | 85.45 | 149545.81 | XXXX | XXXX | 27.03 | 27.03 | 27.03 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.625 | 7.625 | 1061.69 | 1061.69 | 0 | 1750.19 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 144807.07 | 3082 | 2 | 0 | 465 | 0 | 0 | 21.08 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx8898 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 761 | 759 | 761 | 782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 747 | 754 | 747 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 4.61 | 8.66 | 23379.00 | 23379.00 | .00 | .00 | 46758.00 | Employed | Employed |  |  | 2.48 | 2.55 |  |  | NA | 42706.68 | 4051.32 | No Escrow | 63.91 | 95871.28 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.5 | 7.5 | 1594.21 | 1594.21 | 0 | 2156.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 4427.76 | 2 | 181084 | 81 | 7 | 0.01430773257335621 | 4.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx8079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 719 | 694 | 748 | 719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 13.04 | 20455.67 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.125 | 7.125 | 971.5 | 971.5 | 397.04 | 1568.54 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 5%, 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 6705.95 | 2 | 0 | 119 | 0 | 0 | 3.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx1475 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 772 | 772 | 796 | 760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 15.93 | 23083.83 | XXXX | XXXX | 74.34 | 74.34 | 74.34 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 1033.08 | 1033.08 | 415.68 | 1448.76 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 4535.17 | 5 | 0 | 206 | 0 | 0 | 4.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx1434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 773 | 785 | 772 | 773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 10.45 | 14.02 | 87970.19 | .00 | .00 | .00 | 87970.19 | Employed |  |  |  | 0.99 |  |  |  | NA | 75637.55 | 12332.64 | Taxes and Insurance | 6.62 | 60868.11 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.5 | 8.5 | 7508.44 | 7508.44 | 1686.75 | 9195.19 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425 | 1 | 67600 | 253 | 15 | 0.1510209967335628 | 22 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx9838 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 746 | 742 | 770 | 746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 34.86 | 48.54 | 11677.57 | .00 | .00 | .00 | 11677.57 | Not Employed |  |  |  |  |  |  |  | NA | 6008.79 | 5668.78 | Taxes and Insurance | 255.13 | 1038704.15 | XXXX | XXXX | 48.81 | 48.81 | 48.81 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 3108.04 | 3108.04 | 876.16 | 4071.2 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 16769.28 | 2491.5 | 2 | 43320 | 365 | 3 | 0.984602346993005 | 0.67 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx7346 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 738 | 734 | 758 | 738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 760 | 760 | 800 | 743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 24.39 | 28.39 | 16718.76 | 8333.87 | .00 | .00 | 25052.63 | Employed | Employed |  |  | 18.78 | 0.34 |  |  | NA | 17940.4 | 7112.23 | Taxes and Insurance | 7.64 | 46684.93 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 5251.83 | 5251.83 | 859.41 | 6111.23 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 287981.01 | 1425 | 2 | 42000 | 224 | 2 | 0.7791190476190476 | 7.67 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx0333 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 774 | 774 | 782 | 743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 775 | 775 | 764 | 786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 32.19 | 46.05 | 10258.73 | 5286.28 | .00 | .00 | 15545.01 | Employed | Employed |  |  | 3.18 | 1.05 |  |  | NA | 8385.81 | 7159.2 | No Escrow | 27.42 | 137169.59 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 3950.66 | 3950.66 | 0 | 5003.2 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1425 | 1 | 43796 | 156 | 15 | 0.20002906976744186 | 0.92 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx6695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 679 | 679 | 681 | 665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 38.76 | 41.06 | 24337.97 | .00 | .00 | .00 | 24337.97 | Employed |  |  |  | 5.86 |  |  |  | NA | 14344.15 | 9993.82 | No Escrow | 3.66 | 34564.7 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.625 | 8.625 | 6969 | 6969 | 0 | 9433.82 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1976 | 2 | 30000 | 146 | 11 | 0.35462478184991275 | 2.42 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx9583 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 804 | 817 | 775 | 804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | Full Doc | Primary Residence | Refinance | Cash Out - Other | 8.46 | 8.58 | 147824.77 | .00 | .00 | .00 | 147824.77 | Employed |  |  |  | 16.7 |  |  |  | 2 YRS | 135145.62 | 12679.15 | No Escrow | 143.54 | 1795450.89 | XXXX | XXXX | 60.4 | 60.4 | 60.4 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | 10300.86 | 10300.86 | 0 | 12508.15 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 1488463.69 | 1425 | 2 | 28226 | 223 | 4 | 0.0842406135991497 | 13.67 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx1462 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 716 | 728 | 716 | 708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 756 | 747 | 756 | 758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 5.73 | 32.59 | 535632.19 | .00 | .00 | .00 | 535632.19 | Employed | Not Employed |  |  | 37.44 |  |  |  | Yes | 361044.37 | 174587.82 | Taxes and Insurance | 6.64 | 50924.51 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 5980.15 | 5980.15 | 1529.43 | 7674.83 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 822511.81 | 1425 | 4 | 36911 | 559 | 2 | 0.19827238052501683 | 15 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx1846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 731 | 732 | 731 | 719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 4.41 | 5.64 | 76802.24 | .00 | .00 | .00 | 76802.24 | Employed |  |  |  | 2.5 |  |  |  | Yes | 72470.8 | 4331.44 | Taxes and Insurance | 20.85 | 110582.94 | XXXX | XXXX | 78.96 | 78.96 | 78.96 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 2151.69 | 2151.69 | 688.75 | 3385.44 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1456.16 | 1 | 28500 | 94 | 4 | 0.017842105263157895 | 5.67 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx9629 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 698 | 698 | 696 | 708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | No Escrow | 127.36 | 391542.54 | XXXX | XXXX | 55 | 55 | 55 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.25 | 7.25 | 2720.11 | 2720.11 | 0 | 3074.33 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 391542.54 | 1148.11 | 6 | 0 | 428 | 0 | 0 | 34 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx7563 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 668 | 668 | 643 | 686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 10.35 | 37.55 | 38372.26 | .00 | .00 | .00 | 38372.26 | Employed |  |  |  | 22.48 |  |  |  | NA | 23963.95 | 14408.31 | Taxes and Insurance | 64.69 | 132942.38 | XXXX | XXXX | 43.48 | 43.48 | 43.48 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.499 | 8.499 | 1153.26 | 1153.26 | 843.56 | 2055.07 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 132942.38 | 2745 | 2 | 62325 | 218 | 20 | 0.76454811236812 | 7 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx1813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 788 | 754 | 789 | 788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | HI | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 171.99 | 1024193.3 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.875 | 6.875 | 3954.71 | 3954.71 | 943.39 | 5955.1 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 4344.32 | 6 | 0 | 505 | 0 | 0 | 3.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx9930 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 800 | 788 | 800 | 804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 28.09 | 35.83 | 25579.00 | .00 | .00 | .00 | 25579.00 | Employed |  |  |  | 22.78 |  |  |  | 2 YRS | 16413.11 | 9165.89 | Taxes and Insurance | 6.61 | 47525.28 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 5977.32 | 5977.32 | 1208.57 | 7185.89 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 47525.28 | 1667.42 | 1 | 88416 | 377 | 4 | 0 | 3.58 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx0331 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 797 | 761 | 832 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 798 | 761 | 798 | 798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 37.86 | 45.89 | 54667.98 | .00 | .00 | .00 | 54667.98 | Not Employed | Not Employed |  |  |  |  |  |  | Yes | 29580.21 | 25087.77 | No Escrow | 197.74 | 3340325.29 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 13597.92 | 17403.63 | 0 | 16892.71 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 350 | 1 | 35000 | 392 | 7 | 0.034191516592448436 | 3.50 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx7757 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 686 | 686 | 658 | 692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | No Escrow | 17.38 | 86066.52 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.875 | 8.875 | 3514.76 | 3514.76 | 0 | 4952.76 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 3 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 86066.52 | 7091.5599999999995 | 2 | 0 | 201 | 0 | 0 | 1 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx1003 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 750 | 750 | 750 | 756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 32.18 | 34.66 | 13365.27 | .00 | .00 | .00 | 13365.27 | Employed |  |  |  | 5.85 |  |  |  | NA | 8733.11 | 4632.16 | No Escrow | 37.44 | 161032.84 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 3552.83 | 3552.83 | 0 | 4301.16 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425 | 2 | 11665 | 76 | 14 | 0.1442672255195252 | 4.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx8948 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 674 | 642 | 674 | 691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 103.21 | 144332.65 | XXXX | XXXX | 59.23 | 59.23 | 59.23 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8.25 | 8.25 | 1156.95 | 1156.95 | 241.51 | 1398.46 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 144332.65 | 4505 | 1 | 0 | 454 | 0 | 0 | 20.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx7468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 685 | 676 | 687 | 685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 2.82 | 7.62 | 113172.00 | .00 | .00 | .00 | 113172.00 | Employed |  |  |  | 6.52 |  |  |  | NA | 104543.93 | 8628.07 | Taxes and Insurance | 77.04 | 247313.51 | XXXX | XXXX | 69.94 | 69.94 | 69.94 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.999 | 7.999 | 2865.81 | 2865.81 | 344.54 | 3210.35 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 10763.75 | 3 | 31639 | 250 | 12 | 0.06578291637595933 | 0.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx8106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 737 | 737 | 703 | 737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 122.6 | 650402.58 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8 | 4480 | 4480 | 825.27 | 5305.27 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 214972.34 | 5607.5 | 6 | 0 | 166 | 0 | 0 | 5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx0826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 726 | 726 | 733 | 704 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 11.78 | 12.54 | 39286.00 | .00 | .00 | .00 | 39286.00 | Employed |  |  |  | 3.29 |  |  |  | 3 YRS | 34360.26 | 4925.74 | Taxes and Insurance | 37.49 | 173443.8 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.25 | 8.25 | 4022.36 | 4022.36 | 573.58 | 4626.74 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 17878.15 | 1 | 25500 | 248 | 2 | 0.3095466666666667 | 8 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | xxxxxx6708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 762 | 762 | 752 | 763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 801 | 801 | 802 | 736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | ALT DOC | Second Home | Purchase | NA | 7.69 | 29.6 | 22246.60 | 22248.60 | .00 | .00 | 44495.20 | Employed | Employed |  |  | 3.2 | 3.2 |  |  | NA | 31325.46 | 13169.74 | Taxes and Insurance | 8.02 | 42016.11 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.25 | 8.25 | 4463.65 | 4463.65 | 754.59 | 5240.74 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 10380.47 | 2 | 23515 | 243 | 9 | 0.4281025063890647 | 2.67 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx0325 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 712 | 702 | 712 | 722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 697 | 683 | 706 | 697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 26.59 | 44.76 | 15296.13 | 4694.31 | .00 | .00 | 19990.44 | Employed | Employed |  |  | 15.87 | 6.48 |  |  | Yes | 11043.51 | 8946.93 | No Escrow | 46.66 | 248044.7 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | 4335.19 | 4335.19 | 0 | 5316.31 | XXXX | Fixed | 480 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 248044.7 | 350 | 1 | 72889 | 234 | 6 | 0.6741143971400715 | 14.33 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx0981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 722 | 722 | 705 | 749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 737 | 722 | 737 | 756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 15.51 | 42.79 | 41430.00 | 41430.00 | .00 | .00 | 82860.00 | Employed | Employed |  |  | 3.54 | 3.54 |  |  | 2 YRS | 47400.51 | 35459.49 | Taxes and Insurance | 47.16 | 606281.35 | XXXX | XXXX | 78.95 | 78.95 | 78.95 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 10616.91 | 10616.91 | 2237.83 | 12854.74 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1425 | 2 | 34600 | 188 | 9 | 0.1359972128423648 | 2 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx7823 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 759 | 759 | 777 | 754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 741 | 781 | 741 | 670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 30.42 | 30.73 | .00 | 30000.00 | .00 | .00 | 30000.00 | Not Employed | Employed |  |  |  | 6.99 |  |  | Yes | 20781.94 | 9218.06 | Taxes and Insurance | 13.58 | 123913.21 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 7846.07 | 7846.07 | 1235.99 | 9127.06 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 102688.78 | 7380 | 1 | 24400 | 208 | 3 | 0.3166319444444444 | 1.50 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx6556 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 725 | 725 | 700 | 755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 4910 | Taxes and Insurance | 38.34 | 108512.96 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8 | 2338.87 | 2338.87 | 491.28 | 2830.14 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 108512.96 | 350.01 | 20 | 0 | 210 | 0 | 0 | 3 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx1521 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 774 | 774 | 782 | 752 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 18.21 | 27.03 | 42597.11 | .00 | .00 | .00 | 42597.11 | Employed |  |  |  | 4.21 |  |  |  | Yes | 31083.54 | 11513.57 | Taxes and Insurance | 6.96 | 53973.02 | XXXX | XXXX | 90 | 90 | 90 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.625 | 8.625 | 6510.1 | 6510.1 | 1245.22 | 7755.32 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Loan Collateral Advisor (LCA) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1421.36 | 2 | 9800 | 132 | 4 | 0.014657534246575343 | 9 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | xxxxxx1406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 680 | 686 | 680 | 672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | OH | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 7.22 | 16.56 | 30498.62 | .00 | .00 | .00 | 30498.62 | Employed |  |  |  | 2.95 |  |  |  | Yes | 25448.4 | 5050.22 | Taxes and Insurance | 43.95 | 96747 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | 1711.16 | 1711.16 | 490.06 | 2201.22 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 670.96 | 2 | 29059 | 218 | 21 | 0.3343829171190735 | 6 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx6562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 725 | 725 | 700 | 755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 119.76 | 313327.52 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8 | 2311.36 | 2311.36 | 471.11 | 2616.22 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 104853.62 | 340.96 | 21 | 0 | 173 | 0 | 0 | 3 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx1104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 667 | 700 | 666 | 667 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 43.21 | 65093.63 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 7.5 | 7.5 | 1022.6 | 1022.6 | 483.88 | 1506.48 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 5%, 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 4529.42 | 8 | 0 | 209 | 0 | 0 | 5 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx6563 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 725 | 725 | 700 | 755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 111.99 | 298129.02 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 8 | 8 | 2206.8 | 2206.8 | 455.38 | 2662.18 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 24 | 5%, 5% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Two to Four Unit | 2 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 298129.02 | 690.96 | 21 | 0 | 210 | 0 | 0 | 3 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx0469 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 739 | 733 | 795 | 739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 37.69 | 47.3 | 5675.58 | .00 | .00 | .00 | 5675.58 | Not Employed |  |  |  |  |  |  |  | NA | 2991.04 | 2684.54 | Taxes and Insurance | 16.55 | 35396.36 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | 1734.37 | 1734.37 | 404.75 | 2139.12 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425 | 1 | 14500 | 360 | 1 | 0 | 5.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx0483 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 755 | 774 | 737 | 755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | IL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 18.28 | 34.64 | 59493.60 | .00 | .00 | .00 | 59493.60 | Employed |  |  |  | 2.01 |  |  |  | NA | 38885.99 | 20607.61 | No Escrow | 36.35 | 395239.13 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 8564.37 | 8564.37 | 0 | 10873.56 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1425 | 2 | 139116 | 140 | 8 | 0.01204460966542751 | 3.50 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx9094 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 796 | 804 | 788 | 796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | MO | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 22.26 | 27.56 | 12592.58 | .00 | .00 | .00 | 12592.58 | Employed |  |  |  | 2.13 |  |  |  | NA | 9122.12 | 3470.46 | Taxes and Insurance | 14.43 | 40467.49 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | 2257.12 | 2257.12 | 504.67 | 2803.46 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1995 | 1 | 10652 | 113 | 4 | 0.12460227272727273 | 2.50 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx0580 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 670 | 668 | 670 | 678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | ALT DOC | Second Home | Refinance | Cash Out - Other | 19.19 | 49.74 | 22591.87 | .00 | .00 | .00 | 22591.87 | Employed |  |  |  | 10.89 |  |  |  | NA | 11354.28 | 11237.59 | Taxes and Insurance | 5.53 | 17691.66 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.375 | 8.375 | 2926.28 | 2926.28 | 275.33 | 3201.61 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 93658.32 | 1906.25 | 3 | 120000 | 314 | 21 | 0.45404428377767736 | 19.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx0023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 694 | 694 | 701 | 683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 5.89 | 34.47 | 58225.83 | .00 | .00 | .00 | 58225.83 | Employed |  |  |  | 6.97 |  |  |  | Yes | 38156.82 | 20069.01 | Taxes and Insurance | 8.92 | 30616.82 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 2785.88 | 2785.88 | 646 | 3431.88 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 4050.31 | 6 | 21500 | 114 | 13 | 0.060639204545454545 | 2.75 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx9404 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 820 | 813 | 826 | 820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 809 | 809 | 810 | 809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Investment | Purchase | NA | 6.92 | 30.51 | 55332.05 | .00 | .00 | .00 | 55332.05 | Employed | Not Employed |  |  | 10.02 |  |  |  | Yes | 38451.79 | 16880.26 | No Escrow | 512.26 | 3910729.68 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.999 | 6.999 | 6048.98 | 6048.98 | 0 | 7634.26 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 6 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 2 | 0 | 1895 | 3 | 70000 | 374 | 7 | 0.07432258064516128 | 25.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx9323 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 736 | 736 | 722 | 740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 9.83 | 38.3 | 52264.44 | .00 | .00 | .00 | 52264.44 | Employed |  |  |  | 14.22 |  |  |  | NA | 32248.01 | 20016.43 | Taxes and Insurance | 25.28 | 302631.57 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.499 | 6.499 | 3981.61 | 3981.61 | 1158.5 | 5140.11 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 3095 | 3 | 39576 | 133 | 11 | 0.2328930817610063 | 4.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx7746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 727 | 727 | 719 | 745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Investment | Purchase | NA | 6.84 | 41.74 | 224167.27 | .00 | .00 | .00 | 224167.27 | Employed |  |  |  | 4.32 |  |  |  | NA | 130610.16 | 93557.11 | No Escrow | 43.06 | 514262.4 | XXXX | XXXX | 65.82 | 65.82 | 65.82 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.999 | 6.999 | 9370.21 | 9370.21 | 0 | 11941.77 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 6 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 23057.84 | 3 | 50200 | 296 | 7 | 0.7985274869109947 | 10.67 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx9305 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 768 | 697 | 787 | 768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 29.38 | 47.78 | 18940.45 | .00 | .00 | .00 | 18940.45 | Not Employed |  |  |  |  |  |  |  | NA | 9891.18 | 9049.27 | Taxes and Insurance | 241.72 | 1344984.31 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.999 | 6.999 | 4230.9 | 4230.9 | 668.3 | 5564.2 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1995 | 2 | 2700 | 241 | 12 | 0.002837370242214533 | 5.75 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx9634 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 788 | 788 | 797 | 767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 791 | 793 | 773 | 791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | GA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 28.67 | 35.32 | 16292.23 | .00 | .00 | .00 | 16292.23 | Employed | Not Employed |  |  | 2.81 |  |  |  | NA | 10537.34 | 5754.89 | Taxes and Insurance | 26.42 | 123405.01 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | 3735.93 | 3735.93 | 872.46 | 4670.89 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1995 | 2 | 32000 | 163 | 4 | 0.17622857142857143 | 4.08 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx7067 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | true | XXXX | 715 | 744 | 683 | 715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | OK | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 33.76 | 34.89 | 4863.11 | .00 | .00 | .00 | 4863.11 | Not Employed |  |  |  |  |  |  |  | NA | 3166.15 | 1696.96 | Taxes and Insurance | 182.63 | 299869.4 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.499 | 6.499 | 1107.27 | 1107.27 | 451.36 | 1641.96 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 6375 | 1 | 411 | 90 | 2 | 0.5333333333333333 | 0.58 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx9293 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 728 | 699 | 728 | 733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 32.06 | 39.23 | 13518.75 | .00 | .00 | .00 | 13518.75 | Employed |  |  |  | 3.2 |  |  |  | NA | 8214.71 | 5304.04 | Taxes and Insurance | 21.54 | 93334.04 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.75 | 7.75 | 3192.33 | 3192.33 | 685.71 | 4334.04 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 7764 | 1 | 12949 | 50 | 9 | 0.045159474671669794 | 3.42 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx8431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 681 | 706 |  | 681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 653 | 653 | 683 | 641 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 2.03 | 4.59 | .00 | 505665.29 | .00 | .00 | 505665.29 | Not Employed | Employed |  |  |  | 10.22 |  |  | NA | 482465.32 | 23199.97 | No Escrow | 126.98 | 1249050.11 | XXXX | XXXX | 62.21 | 62.21 | 62.21 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.999 | 7.999 | 7850.54 | 7850.54 | 0 | 10266.54 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 3332.5 | 3 | 76961 | 269 | 17 | 0.266000066000066 | 15 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx8123 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 676 | 676 | 755 | 657 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 24.79 | 30.68 | 24398.27 | .00 | .00 | .00 | 24398.27 | Employed |  |  |  | 21.15 |  |  |  | NA | 16912.63 | 7485.64 | No Escrow | 5.63 | 34070.03 | XXXX | XXXX | 68.17 | 68.17 | 68.17 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 3945.7 | 3945.7 | 0 | 6048.64 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 3880.23 | 1 | 31145 | 121 | 6 | 0.06277686368814074 | 0.83 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx8707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 813 | 810 | 813 | 813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | SC | XXXX | XXXX | ALT DOC | Investment | Refinance | Cash Out - Other | 9.47 | 42.45 | 24979.00 | .00 | .00 | .00 | 24979.00 | Not Employed |  |  |  |  |  |  |  | NA | 14375.39 | 10603.61 | Taxes and Insurance | 64.83 | 481470.89 | XXXX | XXXX | 47.06 | 47.06 | 47.06 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 5662.35 | 5662.35 | 1514.79 | 7427.14 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 6 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | AE | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 481470.89 | 2540 | 2 | 31000 | 461 | 8 | 0.010058823529411764 | 3.58 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx9578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 791 | 791 | 781 | 806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 19.95 | 20.67 | 35567.52 | .00 | .00 | .00 | 35567.52 | Employed |  |  |  | 5.49 |  |  |  | NA | 28217.37 | 7350.15 | Taxes and Insurance | 138.29 | 981030.67 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.499 | 6.499 | 5308.82 | 5308.82 | 1692.08 | 7094.15 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2990 | 1 | 25300 | 496 | 6 | 0.11544280442804428 | 5.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx8494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 706 | 706 | 718 | 674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 45.46 | 46.01 | 4538.74 | .00 | .00 | .00 | 4538.74 | Not Employed |  |  |  |  |  |  |  | Yes | 2450.59 | 2088.15 | Taxes and Insurance | 33.42 | 68944.93 | XXXX | XXXX | 55.56 | 55.56 | 55.56 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.625 | 7.625 | 1769.48 | 1769.48 | 293.67 | 2063.15 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 3245 | 1 | 10000 | 352 | 2 | 0.04747826086956522 | 7.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx1028 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen |  | false | XXXX | 760 | 761 | 760 | 738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Refinance | Cash Out - Other | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  |  |  | 0 | Taxes and Insurance | 113.43 | 251639.3 | XXXX | XXXX | 63.94 | 63.94 | 63.94 | XXXX | XXXX | XXXX | DSCR | Fixed | XXXX | 6.625 | 6.625 | 1678.58 | 1678.58 | 539.93 | 2218.51 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 5%, 4%, 3%, 2%, 1% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 247146.19 | 0 | 1 | 0 | 299 | 0 | 0 | 23 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | xxxxxx8288 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 772 | 778 | 772 | 768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | No | false | XXXX | 773 | 776 | 756 | 773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | WA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 21.74 | 41.62 | 33083.75 | 12083.34 | .00 | .00 | 45167.09 | Employed | Employed |  |  | 6.21 | 6.11 |  |  | Yes | 26366.29 | 18800.8 | Taxes and Insurance | 18.85 | 467189.87 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 8750.29 | 8750.29 | 1070.51 | 9820.8 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1995 | 2 | 25000 | 160 | 5 | 0.1392563977180114 | 2.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx8438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 805 | 805 | 803 | 812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 44.4 | 44.83 | 5759.50 | .00 | .00 | .00 | 5759.50 | Employed |  |  |  | 5.19 |  |  |  | NA | 3177.49 | 2582.01 | Taxes and Insurance | 49.04 | 125396.11 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.999 | 6.999 | 2022.32 | 2022.32 | 536.85 | 2557.01 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1995 | 1 | 12500 | 62 | 1 | 0.0376 | 10.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx9934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 691 | 691 | 692 | 670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX |  | 688 | 739 | 735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NC | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 19.96 | 30.91 | 13656.53 | 3912.23 | .00 | .00 | 17568.76 | Employed | Employed |  |  | 1.82 | 12.22 |  |  | Yes | 12138.49 | 5430.27 | Taxes and Insurance | 17.48 | 61295.06 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.999 | 7.999 | 2975.87 | 2975.87 | 530.41 | 3506.27 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 46165.49 | 9145.8 | 1 | 201472 | 197 | 1 | 0.9947033054559936 | 3.25 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | xxxxxx8312 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 692 | 674 | 692 | 717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CT | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 6.1 | 7.4 | 33954.00 | .00 | .00 | .00 | 33954.00 | Employed |  |  |  | 2.5 |  |  |  | NA | 31441.55 | 2512.45 | Taxes and Insurance | 41.17 | 85319.67 | XXXX | XXXX | 62.26 | 62.26 | 62.26 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.499 | 6.499 | 1564.21 | 1564.21 | 508.25 | 2072.45 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2304.38 | 1 | 18124 | 48 | 12 | 0.47792245936949285 | 2.50 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx9379 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 786 | 786 | 793 | 786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 27.35 | 28.13 | 17451.00 | .00 | .00 | .00 | 17451.00 | Employed |  |  |  |  |  |  |  | NA | 12542.83 | 4908.17 | Taxes and Insurance | 24.22 | 115569.1 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | 3891.59 | 3891.59 | 880.58 | 4772.17 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1995 | 1 | 29900 | 254 | 8 | 0.005531019978969506 | 11.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx9893 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | true | XXXX | 794 | 794 | 796 | 777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 14.72 | 16.92 | 35448.33 | .00 | .00 | .00 | 35448.33 | Employed |  |  |  | 31.83 |  |  |  | NA | 29450.31 | 5998.02 | Taxes and Insurance | 9.98 | 52044.76 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.375 | 6.375 | 4172.44 | 4172.44 | 1044.58 | 5217.02 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 5339 | 1 | 29551 | 187 | 3 | 0.003833333333333333 | 7.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx9223 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 790 | 790 | 766 | 792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 42.7 | 44.45 | 9849.75 | .00 | .00 | .00 | 9849.75 | Employed |  |  |  | 4 |  |  |  | NA | 5471.63 | 4378.12 | No Escrow | 13.78 | 57978.89 | XXXX | XXXX | 79.6 | 79.6 | 79.6 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.375 | 6.375 | 3244.12 | 3244.12 | 0 | 4206.12 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 4595 | 1 | 60000 | 108 | 4 | 0.1053286868992958 | 1.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx9385 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 650 | 644 | 650 | 665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 21.1 | 39.69 | 9548.00 | .00 | .00 | .00 | 9548.00 | Employed |  |  |  | 6.74 |  |  |  | NA | 5758.74 | 3789.26 | Taxes and Insurance | 22.67 | 45666.43 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 8.875 | 8.875 | 1782.24 | 1782.24 | 230.95 | 2014.44 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 3395 | 2 | 10000 | 156 | 18 | 0.5296901408450704 | 4.00 | No | XXXX | Manual Underwriting | 0 |  | Yes | No | XXXX | XXXX | No |
|  | xxxxxx9814 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 707 | 705 | 798 | 707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 5.48 | 11.52 | 48576.79 | .00 | .00 | .00 | 48576.79 | Employed |  |  |  | 39.17 |  |  |  | NA | 42981.22 | 5595.57 | Taxes and Insurance | 45.81 | 121850.55 | XXXX | XXXX | 46.72 | 46.72 | 46.72 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.75 | 6.75 | 2075.51 | 2075.51 | 329.32 | 2659.83 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Retail | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 50354.95 | 4920 | 2 | 16200 | 395 | 4 | 0.023468468468468468 | 35.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx8880 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 672 | 672 | 681 | 656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 7.94 | 10.65 | 72542.83 | .00 | .00 | .00 | 72542.83 | Employed |  |  |  | 2.44 |  |  |  | Yes | 64813.73 | 7729.1 | No Escrow | 0.73 | 4178.53 | XXXX | XXXX | 70.93 | 70.93 | 70.93 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.875 | 7.875 | 4834.04 | 4834.04 | 0 | 5761.51 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Single Family Detached | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 4178.53 | 1995 | 1 | 70877 | 122 | 9 | 0.04681638044914135 | 2.42 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx6054 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 792 | 792 | 791 | 793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 32.79 | 43.66 | 44807.14 | .00 | .00 | .00 | 44807.14 | Employed |  |  |  | 9.44 |  |  |  | NA | 25242.3 | 19564.84 | Taxes and Insurance | 30.68 | 450786.5 | XXXX | XXXX | 79.99 | 79.99 | 79.99 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.875 | 6.875 | 11784.66 | 11784.66 | 2592.17 | 14693.84 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1995 | 1 | 33900 | 208 | 3 | 0.024253611556982344 | 4.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx9014 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 804 | 804 | 809 | 791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Full Doc | Second Home | Purchase | NA | 0 | 32.15 | 25987.55 | .00 | .00 | .00 | 25987.55 | Employed |  |  |  | 2.16 |  |  |  | Yes | 17632.54 | 8355.01 | Taxes and Insurance | 29.73 | 210182.98 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.25 | 7.25 | 4929.46 | 4929.46 | 966.85 | 7070.31 | XXXX | Fixed | 180 | 180 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2790 | 1 | 11000 | 101 | 4 | 0.02403973509933775 | 3.67 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx0906 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 751 | 751 | 781 | 735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 13.73 | 27.61 | 38155.97 | .00 | .00 | .00 | 38155.97 | Employed |  |  |  | 15.42 |  |  |  | NA | 27620.31 | 10535.66 | Taxes and Insurance | 13.75 | 72002.36 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.499 | 6.499 | 4080.91 | 4080.91 | 1106.75 | 5237.66 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2802.14 | 3 | 39269 | 167 | 6 | 0.14691083980762115 | 9 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx8142 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | false | XXXX | 700 | 700 | 694 | 711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 18.92 | 41.71 | 17486.63 | .00 | .00 | .00 | 17486.63 | Employed |  |  |  | 13.85 |  |  |  | NA | 10192.4 | 7294.23 | Taxes and Insurance | 11.07 | 36646.32 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 7.375 | 7.375 | 2175.63 | 2175.63 | 526.29 | 3308.92 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | Condominium | 1 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 4576.25 | 2 | 26445 | 358 | 9 | 0.3267783251231527 | 4.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |
|  | xxxxxx9406 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 783 | 789 | 783 | 735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 712 | 731 | 712 | 700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 28.06 | 31.62 | 17306.17 | .00 | .00 | .00 | 17306.17 | Employed | Not Employed |  |  | 11.65 |  |  |  | NA | 11834.21 | 5471.96 | Taxes and Insurance | 26.11 | 126800.21 | XXXX | XXXX | 50 | 50 | 50 | XXXX | XXXX | XXXX | Conventional | Fixed | XXXX | 6.375 | 6.375 | 3431.28 | 3431.28 | 1234.03 | 4855.64 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | PUD | 1 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1995 | 1 | 16000 | 161 | 6 | 0.004668769716088328 | 2.00 | No | XXXX | Manual Underwriting | 0 |  | No | No | XXXX | XXXX | No |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** |
| xxxxxx0474 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/08/2024 | 6.120% | Manual Underwriting | Manual Underwriting | No | 8.072% |  | 7.750% | 7.750% | $4011.91 | No |  | $6841.08 | $570.09 | $1137.96 | $94.83 | $0.00 | $0.00 | $0.00 | $4676.83 | $17528.08 | N/A | XXXX |  | $0.00 | XXXX |  | 22.89% | 22.89% | 22.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0849 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $2191.41 | No |  | $3747.36 | $312.28 | $976.68 | $81.39 | $0.00 | $0.00 | $0.00 | $2585.08 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.068 | 1.068 | N/A | Borrower | Borrower | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8670 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/04/2024 | 6.100% | Manual Underwriting | Manual Underwriting | No | 10.208% |  | 9.625% | 9.625% | $1912.48 | No |  | $5057.64 | $421.47 | $1083.96 | $90.33 | $0.00 | $0.00 | $0.00 | $2424.28 | $10898.16 | N/A | XXXX |  | $0.00 | XXXX |  | 43.72% | 31.09% | 31.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx6381 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 09/28/2024 | 6.040% | Manual Underwriting | Manual Underwriting | No | 8.100% |  | 7.750% | 7.750% | $2303.98 | No |  | $1920.12 | $160.01 | $4770.00 | $397.50 | $0.00 | $0.00 | $0.00 | $2861.49 | $3939.58 | N/A | XXXX |  | $0.00 | XXXX |  | 42.07% | 42.07% | 42.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESCorp - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9417 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  | 10/01/2024 | 6.100% | Manual Underwriting | Manual Underwriting | No | 7.200% |  | 7.000% | 7.000% | $3326.51 | No |  | $507.96 | $42.33 | $1499.04 | $124.92 | $0.00 | $0.00 | $0.00 | $3493.76 | $29766.37 | N/A | XXXX |  | $0.00 | XXXX |  | 27.50% | 20.81% | 20.81% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8514 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $3342.79 | No |  | $6432.96 | $536.08 | $4839.96 | $403.33 | $0.00 | $0.00 | $0.00 | $4282.20 | $6224.73 | N/A | XXXX |  | $0.00 | XXXX |  | 72.89% | 45.59% | 45.59% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0898 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 10/18/2024 | 6.360% | Manual Underwriting | Manual Underwriting | No | 10.277% |  | 9.990% | 9.990% | $5800.25 | No |  | $3019.44 | $251.62 | $2844.00 | $237.00 | $0.00 | $0.00 | $0.00 | $6288.87 | $49272.94 | N/A | XXXX |  | $0.00 | XXXX |  | 17.77% | 17.76% | 17.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx2274 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 6.750% | 6.750% | $2140.37 | No |  | $3890.76 | $324.23 | $2318.04 | $193.17 | $0.00 | $0.00 | $0.00 | $2657.77 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.044 | 1.044 | N/A | Borrower | Borrower | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx1097 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.990% | 8.990% | $2982.48 | No |  | $4713.96 | $392.83 | $1268.04 | $105.67 | $435.96 | $36.33 | $0.00 | $3517.31 |  | N/A | XXXX | IN | $36.33 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.768 | 0.75 | N/A | Borrower | Borrower | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx7215 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 11/26/2024 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.575% |  | 7.250% | 7.250% | $2791.81 | No |  | $5975.04 | $497.92 | $1237.32 | $103.11 | $924.96 | $77.08 | $0.00 | $3469.92 | $5137.68 | N/A | XXXX | FL | $77.08 | XXXX | Annually | 49.51% | 49.51% | 49.51% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | Yes | Yes | 12 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2023, 2024 \|\| Co Borrower - SESoleProprietor - Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 \|\| Co Borrower - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx5822 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/03/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 6.885% |  | 6.875% | 6.875% | $7863.44 | No |  | $16140.84 | $1345.07 | $2993.04 | $249.42 | $1249.68 | $104.14 | $0.00 | $9562.07 | $34088.33 | N/A | XXXX | WA | $104.14 | XXXX | Monthly | 22.81% | 22.81% | 22.81% | No | No |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 139 | 25 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx7850 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/11/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 6.940% |  | 6.875% | 6.875% | $6700.67 | No |  | $11707.20 | $975.60 | $2994.00 | $249.50 | $0.00 | $0.00 | $0.00 | $7925.77 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (No DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | Yes | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A - Executed 4506T Verified \|\| Co Borrower - N/A - Executed 4506T Verified | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8533 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.499% | 7.499% | $3277.25 | No |  | $5102.16 | $425.18 | $3147.96 | $262.33 | $0.00 | $0.00 | $0.00 | $3964.76 | $10259.88 | N/A | XXXX |  | $0.00 | XXXX |  | 42.57% | 42.57% | 42.57% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 97.10% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9587 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.875% | 7.875% | $1250.74 | No |  | $1140.36 | $95.03 | $1062.00 | $88.50 | $4104.00 | $342.00 | $0.00 | $1776.27 |  | N/A | XXXX | AZ | $342.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.013 | 1.013 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9712 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | $1302.71 | No |  | $4415.88 | $367.99 | $1643.64 | $136.97 | $300.00 | $25.00 | $0.00 | $1832.67 |  | N/A | XXXX | TX | $25.00 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.037 | 1.037 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0498 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/27/2025 | 6.850% | Manual Underwriting | Manual Underwriting | No | 8.189% |  | 7.875% | 7.858% | $4283.35 | No |  | $7659.12 | $638.26 | $2903.04 | $241.92 | $0.00 | $0.00 | $0.00 | $5163.53 | $110983.00 | N/A | XXXX |  | $0.00 | XXXX |  | 7.38% | 7.37% | 7.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9782 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $3538.94 | No |  | $8828.04 | $735.67 | $3604.56 | $300.38 | $0.00 | $0.00 | $0.00 | $4574.99 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.454 | 1.45 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0101 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $1152.56 | No |  | $3036.36 | $253.03 | $1068.12 | $89.01 | $0.00 | $0.00 | $0.00 | $1494.60 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.004 | 1.004 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0897 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/27/2025 | 6.850% | Manual Underwriting | Manual Underwriting | No | 8.627% |  | 8.375% | 8.375% | $13890.32 | No |  | $8178.72 | $681.56 | $8483.88 | $706.99 | $0.00 | $0.00 | $0.00 | $15278.87 | $632740.48 | N/A | XXXX |  | $0.00 | XXXX |  | 3.45% | 3.47% | 3.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 49.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx1498 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/25/2025 | 6.850% | Manual Underwriting | Manual Underwriting | No | 9.807% |  | 9.625% | 9.625% | $5377.88 | No |  | $1729.92 | $144.16 | $1583.04 | $131.92 | $0.00 | $0.00 | $0.00 | $5653.96 | $21100.05 | N/A | XXXX |  | $0.00 | XXXX |  | 26.23% | 26.23% | 26.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 1 YR 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 1 YR 1099 Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0284 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.125% | 7.125% | $2243.48 | No |  | $992.04 | $82.67 | $926.16 | $77.18 | $0.00 | $0.00 | $0.00 | $2403.33 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.01 | 1.01 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx1164 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.625% | 7.625% | $1061.69 | No |  | $2361.96 | $196.83 | $500.04 | $41.67 | $5400.00 | $450.00 | $0.00 | $1750.19 |  | Yes | XXXX | UT | $450.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.571 | 1.571 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8898 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/05/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 7.840% |  | 7.500% | 7.500% | $1594.21 | No |  | $4454.64 | $371.22 | $1570.68 | $130.89 | $720.00 | $60.00 | $0.00 | $2156.32 | $42706.68 | N/A | XXXX | TX | $60.00 | XXXX | Monthly | 9.27% | 8.66% | 8.66% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8079 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.125% | 7.125% | $971.50 | No |  | $3007.56 | $250.63 | $1756.92 | $146.41 | $2400.00 | $200.00 | $0.00 | $1568.54 |  | Yes | XXXX | FL | $200.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.084 | 1.084 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx1475 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $1033.08 | No |  | $3744.48 | $312.04 | $1243.68 | $103.64 | $0.00 | $0.00 | $0.00 | $1448.76 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.035 | 1.035 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx1434 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/28/2025 | 6.850% | Manual Underwriting | Manual Underwriting | No | 8.924% |  | 8.500% | 8.500% | $7508.44 | No |  | $13599.96 | $1133.33 | $6641.04 | $553.42 | $0.00 | $0.00 | $0.00 | $9195.19 | $75637.55 | N/A | XXXX |  | $0.00 | XXXX |  | 14.02% | 14.02% | 14.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9838 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/12/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.498% |  | 7.375% | 7.375% | $3108.04 | No |  | $9168.00 | $764.00 | $1345.92 | $112.16 | $1044.00 | $87.00 | $0.00 | $4071.20 | $6008.79 | N/A | XXXX | VA | $87.00 | XXXX | Annually | 48.73% | 48.54% | 48.54% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx7346 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/12/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.886% |  | 7.625% | 7.625% | $5251.83 | No |  | $6108.84 | $509.07 | $4203.96 | $350.33 | $0.00 | $0.00 | $0.00 | $6111.23 | $17940.40 | N/A | XXXX |  | $0.00 | XXXX |  | 28.39% | 28.39% | 28.39% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 YR W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 66.73% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0333 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/13/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.597% |  | 7.375% | 7.375% | $3950.66 | No |  | $8937.48 | $744.79 | $825.00 | $68.75 | $2868.00 | $239.00 | $0.00 | $5003.20 | $8385.81 | Yes | XXXX | CA | $239.00 | XXXX | Monthly | 46.05% | 46.05% | 46.05% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 YR 1099 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 65.99% | 100.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 1 YR 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx6695 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 01/30/2025 | 6.930% | Manual Underwriting | Manual Underwriting | No | 8.711% |  | 8.625% | 8.625% | $6969.00 | No |  | $22541.88 | $1878.49 | $5007.96 | $417.33 | $2028.00 | $169.00 | $0.00 | $9433.82 | $14344.15 | N/A | XXXX | TX | $169.00 | XXXX | Annually | 38.76% | 41.06% | 41.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9583 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/10/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.313% |  | 7.250% | 7.250% | $10300.86 | No |  | $20307.48 | $1692.29 | $5304.00 | $442.00 | $876.00 | $73.00 | $0.00 | $12508.15 | $135145.62 | N/A | XXXX | WA | $73.00 | XXXX | Monthly | 8.54% | 8.58% | 8.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 14 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx1462 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $5980.15 | No |  | $15760.20 | $1313.35 | $2592.96 | $216.08 | $1983.00 | $165.25 | $0.00 | $7674.83 | $361044.37 | N/A | XXXX | FL | $165.25 | XXXX | Annually | 33.65% | 32.59% | 32.59% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx1846 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/25/2025 | 6.850% | Manual Underwriting | Manual Underwriting | No | 7.804% |  | 7.625% | 7.625% | $2151.69 | No |  | $7872.00 | $656.00 | $393.00 | $32.75 | $6540.00 | $545.00 | $0.00 | $3385.44 | $72470.80 | Yes | XXXX | NJ | $545.00 | XXXX | Monthly | 5.76% | 5.64% | 5.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9629 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.250% | 7.250% | $2720.11 | No |  | $3430.68 | $285.89 | $819.96 | $68.33 | $0.00 | $0.00 | $0.00 | $3074.33 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.064 | 1.052 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx7563 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.499% | 8.499% | $1153.26 | No |  | $9000.72 | $750.06 | $1122.00 | $93.50 | $699.00 | $58.25 | $0.00 | $2055.07 | $23963.95 | N/A | XXXX | TX | $58.25 | XXXX | Annually | 37.55% | 37.55% | 37.55% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx1813 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.875% | 6.875% | $3954.71 | No |  | $9542.64 | $795.22 | $1778.04 | $148.17 | $12684.00 | $1057.00 | $0.00 | $5955.10 |  | Yes | XXXX | HI | $1057.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.437 | 1.437 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9930 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/13/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.719% |  | 7.625% | 7.625% | $5977.32 | No |  | $10650.84 | $887.57 | $3852.00 | $321.00 | $0.00 | $0.00 | $0.00 | $7185.89 | $16413.11 | N/A | XXXX |  | $0.00 | XXXX |  | 35.83% | 35.83% | 35.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0331 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/14/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 7.737% |  | 7.625% | 7.625% | $17403.63 | No |  | $33437.52 | $2786.46 | $2535.96 | $211.33 | $3564.00 | $297.00 | $0.00 | $20698.42 | $29580.21 | N/A | XXXX | CA | $297.00 | XXXX | Monthly | 45.38% | 45.89% | 45.89% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified \|\| Co Borrower | Borrower - Executed 4506T Verified \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx7757 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $3514.76 | No |  | $11171.04 | $930.92 | $6084.96 | $507.08 | $0.00 | $0.00 | $0.00 | $4952.76 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.06 | 1.06 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx1003 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/26/2025 | 6.850% | Manual Underwriting | Manual Underwriting | No | 7.674% |  | 7.375% | 7.375% | $3552.83 | No |  | $7793.16 | $649.43 | $1186.80 | $98.90 | $0.00 | $0.00 | $0.00 | $4301.16 | $8733.11 | N/A | XXXX |  | $0.00 | XXXX |  | 35.16% | 34.66% | 34.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 98.57% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8948 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.250% | 8.250% | $1156.95 | No |  | $1608.12 | $134.01 | $1290.00 | $107.50 | $0.00 | $0.00 | $0.00 | $1398.46 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.144 | 1.144 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx7468 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.999% | 7.999% | $2865.81 | No |  | $2612.52 | $217.71 | $1521.96 | $126.83 | $0.00 | $0.00 | $0.00 | $3210.35 | $104543.93 | N/A | XXXX |  | $0.00 | XXXX |  | 7.62% | 7.62% | 7.62% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8106 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $4480.00 | No |  | $9164.28 | $763.69 | $738.96 | $61.58 | $0.00 | $0.00 | $0.00 | $5305.27 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.112 | 1.112 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0826 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/06/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 8.683% |  | 8.250% | 8.250% | $4022.36 | No |  | $5169.60 | $430.80 | $1722.96 | $143.58 | $360.00 | $30.00 | $0.00 | $4626.74 | $34360.26 | N/A | XXXX | NC | $30.00 | XXXX | Annually | 12.54% | 12.54% | 12.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx6708 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/12/2025 | 6.870% | Manual Underwriting | Manual Underwriting | No | 8.512% |  | 8.250% | 8.250% | $4463.65 | No |  | $6767.04 | $563.92 | $2288.04 | $190.67 | $270.00 | $22.50 | $0.00 | $5240.74 | $31325.46 | N/A | XXXX | OR | $22.50 | XXXX | Annually | 29.60% | 29.60% | 29.60% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0325 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/27/2025 | 6.850% | Manual Underwriting | Manual Underwriting | No | 7.935% |  | 7.875% | 7.875% | $4335.19 | No |  | $8127.84 | $677.32 | $3315.60 | $276.30 | $330.00 | $27.50 | $0.00 | $5316.31 | $11043.51 | N/A | XXXX | TX | $27.50 | XXXX | Annually | 44.91% | 44.76% | 44.76% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 YR 1099 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 76.52% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor - 1 YR 1099 Verified, Executed 4506T Verified - 2024 - 2024 | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - 2024 - 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0981 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/20/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.718% |  | 7.625% | 7.625% | $10616.91 | No |  | $23750.04 | $1979.17 | $3103.92 | $258.66 | $0.00 | $0.00 | $0.00 | $12854.74 | $47400.51 | N/A | XXXX |  | $0.00 | XXXX |  | 42.79% | 42.79% | 42.79% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Missing | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 49.00% | 51.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx7823 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/06/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 7.475% |  | 7.375% | 7.375% | $7846.07 | No |  | $12971.76 | $1080.98 | $1860.12 | $155.01 | $540.00 | $45.00 | $0.00 | $9127.06 | $20781.94 | N/A | XXXX | CA | $45.00 | XXXX | Annually | 30.73% | 30.73% | 30.73% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2023 | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified - 2024, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx6556 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $4902.38 | 8.000% | 8.000% | $2338.87 | No |  | $4285.20 | $357.10 | $1610.04 | $134.17 | $0.00 | $0.00 | $0.00 | $2830.14 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.237 | 1.237 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx1521 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/21/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.731% |  | 8.625% | 8.625% | $6510.10 | No |  | $10231.56 | $852.63 | $4711.08 | $392.59 | $0.00 | $0.00 | $0.00 | $7755.32 | $31083.54 | N/A | XXXX |  | $0.00 | XXXX |  | 27.03% | 27.03% | 27.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx1406 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/20/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.136% |  | 7.875% | 7.875% | $1711.16 | No |  | $3733.68 | $311.14 | $2147.04 | $178.92 | $0.00 | $0.00 | $0.00 | $2201.22 | $25448.40 | N/A | XXXX |  | $0.00 | XXXX |  | 16.63% | 16.56% | 16.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Personal Bank Statements Verified - 2024 - 2024 | Borrower - Executed 4506T Verified - 2024 - 2024 | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx6562 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $2311.36 | No |  | $2290.32 | $190.86 | $1368.00 | $114.00 | $0.00 | $0.00 | $0.00 | $2616.22 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.3 | 1.299 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx1104 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1022.60 | No |  | $4994.52 | $416.21 | $812.04 | $67.67 | $0.00 | $0.00 | $0.00 | $1506.48 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.527 | 1.52 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx6563 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.000% | 8.000% | $2206.80 | No |  | $3868.56 | $322.38 | $1596.00 | $133.00 | $0.00 | $0.00 | $0.00 | $2662.18 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.127 | 1.122 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0469 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/18/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.271% |  | 7.875% | 7.875% | $1734.37 | No |  | $3156.96 | $263.08 | $1700.04 | $141.67 | $0.00 | $0.00 | $0.00 | $2139.12 | $2991.04 | N/A | XXXX |  | $0.00 | XXXX |  | 47.30% | 47.30% | 47.30% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes | No | Yes | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, SSI and Disability, Other REO Net Rental Income(Loss) - Award Letter Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0483 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/18/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 7.448% |  | 7.375% | 7.375% | $8564.37 | No |  | $23862.24 | $1988.52 | $3848.04 | $320.67 | $0.00 | $0.00 | $0.00 | $10873.56 | $38885.99 | N/A | XXXX |  | $0.00 | XXXX |  | 32.11% | 34.64% | 34.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 80.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9094 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/07/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 7.046% |  | 6.750% | 6.750% | $2257.12 | No |  | $4606.08 | $383.84 | $1449.96 | $120.83 | $500.04 | $41.67 | $0.00 | $2803.46 | $9122.12 | N/A | XXXX | MO | $41.67 | XXXX | Annually | 27.56% | 27.56% | 27.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0580 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/18/2025 | 6.880% | Manual Underwriting | Manual Underwriting | No | 8.490% |  | 8.375% | 8.375% | $2926.28 | No |  | $795.00 | $66.25 | $2508.96 | $209.08 | $0.00 | $0.00 | $0.00 | $3201.61 | $11354.28 | N/A | XXXX |  | $0.00 | XXXX |  | 49.74% | 49.74% | 49.74% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 1 YR 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR 1099 Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0023 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 02/28/2025 | 6.850% | Manual Underwriting | Manual Underwriting | No | 7.796% |  | 7.625% | 7.625% | $2785.88 | No |  | $6017.04 | $501.42 | $1734.96 | $144.58 | $0.00 | $0.00 | $0.00 | $3431.88 | $38156.82 | N/A | XXXX |  | $0.00 | XXXX |  | 34.66% | 34.47% | 34.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9404 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.999% | 6.999% | $6048.98 | No |  | $16237.44 | $1353.12 | $2785.92 | $232.16 | $0.00 | $0.00 | $0.00 | $7634.26 | $38451.79 | N/A | XXXX |  | $0.00 | XXXX |  | 30.51% | 30.51% | 30.51% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 7 | 26 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 \|\| Co Borrower | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9323 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/06/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 6.588% |  | 6.499% | 6.499% | $3981.61 | No |  | $11250.00 | $937.50 | $2652.00 | $221.00 | $0.00 | $0.00 | $0.00 | $5140.11 | $32248.01 | N/A | XXXX |  | $0.00 | XXXX |  | 37.52% | 38.30% | 38.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx7746 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.999% | 6.999% | $9370.21 | No |  | $26750.04 | $2229.17 | $4108.68 | $342.39 | $0.00 | $0.00 | $0.00 | $11941.77 | $130610.16 | N/A | XXXX |  | $0.00 | XXXX |  | 41.74% | 41.74% | 41.74% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9305 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/04/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 7.325% |  | 6.999% | 6.999% | $4230.90 | No |  | $5838.84 | $486.57 | $2180.76 | $181.73 | $7980.00 | $665.00 | $0.00 | $5564.20 | $9891.18 | Yes | XXXX | NV | $665.00 | XXXX | Monthly | 47.77% | 47.78% | 47.78% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9634 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/06/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 7.024% |  | 6.750% | 6.750% | $3735.93 | No |  | $6718.08 | $559.84 | $3751.44 | $312.62 | $750.00 | $62.50 | $0.00 | $4670.89 | $10537.34 | N/A | XXXX | GA | $62.50 | XXXX | Annually | 34.69% | 35.32% | 35.32% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx7067 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/10/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.081% |  | 6.499% | 6.499% | $1107.27 | No |  | $2566.32 | $213.86 | $2850.00 | $237.50 | $999.96 | $83.33 | $0.00 | $1641.96 | $3166.15 | N/A | XXXX | OK | $83.33 | XXXX | Annually | 34.89% | 34.89% | 34.89% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | OK | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9293 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/04/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 8.047% |  | 7.750% | 7.750% | $3192.33 | No |  | $6962.52 | $580.21 | $1266.00 | $105.50 | $5472.00 | $456.00 | $0.00 | $4334.04 | $8214.71 | Yes | XXXX | CA | $456.00 | XXXX | Monthly | 39.21% | 39.23% | 39.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 3 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8431 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/04/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 8.352% |  | 7.999% | 7.999% | $7850.54 | No |  | $21500.04 | $1791.67 | $7491.96 | $624.33 | $0.00 | $0.00 | $0.00 | $10266.54 | $482465.32 | N/A | XXXX |  | $0.00 | XXXX |  | 4.59% | 4.59% | 4.59% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No | Yes | 0 | 0 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - 2024, 2025 | Borrower \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8123 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/17/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.759% |  | 7.375% | 7.375% | $3945.70 | No |  | $19469.28 | $1622.44 | $2766.00 | $230.50 | $3000.00 | $250.00 | $0.00 | $6048.64 | $16912.63 | N/A | XXXX | TX | $250.00 | XXXX | Monthly | 30.68% | 30.68% | 30.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8707 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $5662.35 | No |  | $9730.44 | $810.87 | $8447.04 | $703.92 | $3000.00 | $250.00 | $0.00 | $7427.14 | $14375.39 | N/A | XXXX | SC | $250.00 | XXXX | Annually | 42.45% | 42.45% | 42.45% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Subject Property Net Rental Income(Loss) if NOO - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9578 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/06/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 6.800% |  | 6.499% | 6.499% | $5308.82 | No |  | $15162.96 | $1263.58 | $5751.00 | $479.25 | $510.00 | $42.50 | $0.00 | $7094.15 | $28217.37 | N/A | XXXX | TX | $42.50 | XXXX | Annually | 20.52% | 20.67% | 20.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8494 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/04/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 8.169% |  | 7.625% | 7.625% | $1769.48 | No |  | $1743.72 | $145.31 | $1780.32 | $148.36 | $0.00 | $0.00 | $0.00 | $2063.15 | $2450.59 | N/A | XXXX |  | $0.00 | XXXX |  | 46.01% | 46.01% | 46.01% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Other REO Net Rental Income(Loss) - 2 YRS 1099 Verified, Executed 4506T Verified, Award Letter Verified - 2023, 2022 | Borrower - Executed 4506T Verified - 2023, 2022 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx1028 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.625% | 6.625% | $1678.58 | Yes | 10.625% | $3213.00 | $267.75 | $3266.16 | $272.18 | $0.00 | $0.00 | $0.00 | $2218.51 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.262 | 1.26 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8288 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/04/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 7.068% |  | 6.875% | 6.875% | $8750.29 | No |  | $11157.12 | $929.76 | $1689.00 | $140.75 | $0.00 | $0.00 | $0.00 | $9820.80 | $26366.29 | N/A | XXXX |  | $0.00 | XXXX |  | 41.62% | 41.62% | 41.62% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | Yes | Yes | 0 | 3 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | Stocks/Bonds | Audited | 12 | Tax Preparer | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 71 | 1 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023, 2025, 2024 | Borrower - Executed 4506T Verified - 2023, 2024 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2023, 2025, 2024 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8438 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/11/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 7.332% |  | 6.999% | 6.999% | $2022.32 | No |  | $4763.28 | $396.94 | $1653.00 | $137.75 | $0.00 | $0.00 | $0.00 | $2557.01 | $3177.49 | N/A | XXXX |  | $0.00 | XXXX |  | 44.87% | 44.83% | 44.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9934 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/10/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 8.285% |  | 7.999% | 7.999% | $2975.87 | No |  | $4104.84 | $342.07 | $2259.96 | $188.33 | $0.00 | $0.00 | $0.00 | $3506.27 | $12138.49 | N/A | XXXX |  | $0.00 | XXXX |  | 32.29% | 30.91% | 30.91% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 YR W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 77.73% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 139 | 26 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023, 2022 | Borrower - Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025, 2024, 2023, 2022 | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8312 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/12/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 6.883% |  | 6.499% | 6.499% | $1564.21 | No |  | $5122.92 | $426.91 | $975.96 | $81.33 | $0.00 | $0.00 | $0.00 | $2072.45 | $31441.55 | N/A | XXXX |  | $0.00 | XXXX |  | 7.40% | 7.40% | 7.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9379 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/03/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 7.107% |  | 6.750% | 6.750% | $3891.59 | No |  | $9375.00 | $781.25 | $1191.96 | $99.33 | $0.00 | $0.00 | $0.00 | $4772.17 | $12542.83 | N/A | XXXX |  | $0.00 | XXXX |  | 28.13% | 28.13% | 28.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9893 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/10/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 6.699% |  | 6.375% | 6.375% | $4172.44 | No |  | $10449.96 | $870.83 | $2085.00 | $173.75 | $0.00 | $0.00 | $0.00 | $5217.02 | $29450.31 | N/A | XXXX |  | $0.00 | XXXX |  | 16.92% | 16.92% | 16.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9223 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/02/2025 | 6.850% | Manual Underwriting | Manual Underwriting | No | 6.753% |  | 6.375% | 6.375% | $3244.12 | No |  | $8178.24 | $681.52 | $1901.76 | $158.48 | $1464.00 | $122.00 | $0.00 | $4206.12 | $5471.63 | N/A | XXXX | FL | $122.00 | XXXX | Annually | 44.45% | 44.45% | 44.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9385 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/24/2025 | 6.660% | Manual Underwriting | Manual Underwriting | No | 9.385% |  | 8.875% | 8.875% | $1782.24 | No |  | $1402.44 | $116.87 | $1368.96 | $114.08 | $15.00 | $1.25 | $0.00 | $2014.44 | $5758.74 | Yes | XXXX | FL | $1.25 | XXXX | Annually | 39.69% | 39.69% | 39.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9814 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/10/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 6.933% |  | 6.750% | 6.750% | $2075.51 | No |  | $2729.28 | $227.44 | $1222.56 | $101.88 | $3060.00 | $255.00 | $0.00 | $2659.83 | $42981.22 | N/A | XXXX | CA | $255.00 | XXXX | Monthly | 11.58% | 11.52% | 11.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8880 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/05/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 8.182% |  | 7.875% | 7.875% | $4834.04 | No |  | $9986.64 | $832.22 | $1143.00 | $95.25 | $0.00 | $0.00 | $0.00 | $5761.51 | $64813.73 | N/A | XXXX |  | $0.00 | XXXX |  | 10.65% | 10.65% | 10.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx6054 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/21/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 7.117% |  | 6.875% | 6.875% | $11784.66 | No |  | $28032.12 | $2336.01 | $3074.04 | $256.17 | $3804.00 | $317.00 | $0.00 | $14693.84 | $25242.30 | N/A | XXXX | CA | $317.00 | XXXX | Monthly | 43.66% | 43.66% | 43.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9014 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/20/2025 | 6.040% | Manual Underwriting | Manual Underwriting | No | 7.643% |  | 7.250% | 7.250% | $4929.46 | No |  | $9000.00 | $750.00 | $2602.20 | $216.85 | $14088.00 | $1174.00 | $0.00 | $7070.31 | $17632.54 | Yes | XXXX | CA | $1174.00 | XXXX | Monthly | 32.15% | 32.15% | 32.15% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx0906 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/18/2025 | 6.650% | Manual Underwriting | Manual Underwriting | No | 6.806% |  | 6.499% | 6.499% | $4080.91 | No |  | $12107.04 | $1008.92 | $1173.96 | $97.83 | $600.00 | $50.00 | $0.00 | $5237.66 | $27620.31 | N/A | XXXX | NV | $50.00 | XXXX | Monthly | 27.61% | 27.61% | 27.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx8142 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/05/2025 | 6.730% | Manual Underwriting | Manual Underwriting | No | 7.723% |  | 7.375% | 7.375% | $2175.63 | No |  | $5250.00 | $437.50 | $1065.48 | $88.79 | $7284.00 | $607.00 | $0.00 | $3308.92 | $10192.40 | Yes | XXXX | CA | $607.00 | XXXX | Monthly | 41.71% | 41.71% | 41.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| xxxxxx9406 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 03/13/2025 | 6.620% | Manual Underwriting | Manual Underwriting | No | 6.725% |  | 6.375% | 6.375% | $3431.28 | No |  | $11362.32 | $946.86 | $3446.04 | $287.17 | $2283.96 | $190.33 | $0.00 | $4855.64 | $11834.21 | Yes | XXXX | MD | $190.33 | XXXX | Annually | 31.76% | 31.62% | 31.62% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower | Borrower - 2025, 2024 \|\| Co Borrower | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |

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| **Loan ID** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| xxxxxx0474 | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 5787.90 | 1.2 | 167327.24 | 35.8 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx0849 | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 383749.75 | 148.5 | 383749.75 | 148.5 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx8670 | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 45995.36 | 19.0 | 45995.36 | 19.0 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx6381 | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 35279.40 | 12.3 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9417 | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TN | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 53758.86 | 15.4 | 505708.05 | 144.8 | No | 62.97 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx8514 | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 86493.12 | 20.2 | 86493.12 | 20.2 | No | 80.0 | N/A | No | Yes | Yes | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx0898 | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 116768.32 | 18.6 | 116768.32 | 18.6 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx2274 | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 56207.30 | 21.1 | 377696.09 | 142.1 | No | 60.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| xxxxxx1097 | 659 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | IN | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 30014.64 | 8.5 | 30014.64 | 8.5 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx7215 | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 63708.72 | 18.4 | 63708.72 | 18.4 | No | 60.27 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx5822 | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XXXX |  | XXXX | N/A |  | XXXX |  | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | WA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34976.12 | 3.7 | 34976.12 | 3.7 | No | 60.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx7850 | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | WA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3275463.92 | 413.3 | 3275463.92 | 413.3 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx8533 | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 28075.03 | 7.1 | No | 73.82 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| xxxxxx9587 | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | AZ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 28066.87 | 15.8 | 28066.87 | 15.8 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9712 | 636 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 12774.28 | 7.0 | No | 65.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx0498 | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 73293.77 | 14.2 | 73293.77 | 14.2 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9782 | 649 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | NH | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 79292.79 | 17.3 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| xxxxxx0101 | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OH | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 14415.00 | 9.6 | 55119.28 | 36.9 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| xxxxxx0897 | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 176775.09 | 11.6 | 176775.09 | 11.6 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx1498 | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 51136.67 | 9.0 | 51136.67 | 9.0 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx0284 | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 38820.07 | 16.2 | 360823.87 | 150.1 | No | 78.35 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx1164 | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 4738.74 | 2.7 | 149545.81 | 85.5 | No | 27.03 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx8898 | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Permanent Resident Card | N/A | N/A | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 95871.28 | 44.5 | 137802.24 | 63.9 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx8079 | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20455.67 | 13.0 | 20455.67 | 13.0 | No | 70.0 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx1475 | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Disclosure | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 23083.83 | 15.9 | 23083.83 | 15.9 | No | 74.34 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx1434 | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 60868.11 | 6.6 | 60868.11 | 6.6 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9838 | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1021934.87 | 251.0 | 1038704.15 | 255.1 | No | 48.81 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx7346 | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 46684.93 | 7.6 | 46684.93 | 7.6 | No | 70.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx0333 | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act - Driver License | CA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot Act - Driver License | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 137169.59 | 27.4 | 137169.59 | 27.4 | No | 80.0 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx6695 | 679 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34564.70 | 3.7 | 34564.70 | 3.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9583 | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 307012.20 | 24.5 | 1795450.89 | 143.5 | No | 60.4 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx1462 | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NY | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 50924.51 | 6.6 | 50924.51 | 6.6 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx1846 | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 110582.94 | 32.7 | 70582.94 | 20.9 | No | 78.96 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9629 | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 391542.54 | 127.4 | No | 55.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx7563 | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 132942.38 | 64.7 | No | 43.48 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx1813 | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AK | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1024193.30 | 172.0 | 1024193.30 | 172.0 | No | 70.0 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| xxxxxx9930 | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 47525.28 | 6.6 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx0331 | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3340325.29 | 197.7 | 3340325.29 | 197.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx7757 | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 86066.52 | 17.4 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| xxxxxx1003 | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 161032.84 | 37.4 | 161032.84 | 37.4 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx8948 | 674 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NC | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 144332.65 | 103.2 | No | 59.23 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx7468 | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | VA | United States | XXXX |  | XXXX | Employment Authorization Card or Document |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 247313.51 | 77.0 | 247313.51 | 77.0 | No | 69.94 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx8106 | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 650402.58 | 122.6 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| xxxxxx0826 | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NC | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 173443.80 | 37.5 | 173443.80 | 37.5 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx6708 | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OR | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | OR | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 42016.11 | 8.0 | 42016.11 | 8.0 | No | 85.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx0325 | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 248044.70 | 46.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx0981 | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | UNITED STATES OF AMERICA | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 606281.35 | 47.2 | 606281.35 | 47.2 | No | 78.95 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx7823 | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21224.43 | 2.3 | 123913.21 | 13.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx6556 | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 108512.96 | 38.3 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| xxxxxx1521 | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 53973.02 | 7.0 | 53973.02 | 7.0 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx1406 | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 96747.00 | 44.0 | 96747.00 | 44.0 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx6562 | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 313327.52 | 119.8 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| xxxxxx1104 | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NJ | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 65093.63 | 43.2 | 65093.63 | 43.2 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| xxxxxx6563 | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 298129.02 | 112.0 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| xxxxxx0469 | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 35396.36 | 16.6 | 35396.36 | 16.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx0483 | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | IL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 395239.13 | 36.4 | 395239.13 | 36.4 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9094 | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40467.49 | 14.4 | 40467.49 | 14.4 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx0580 | 670 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 17691.66 | 5.5 | 17691.66 | 5.5 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx0023 | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 30616.82 | 8.9 | 30616.82 | 8.9 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9404 | 820 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3910729.68 | 512.3 | 3910729.68 | 512.3 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx9323 | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 302631.57 | 58.9 | 129933.56 | 25.3 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx7746 | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | &nbsp;&nbsp;&nbsp;&nbsp;0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 514262.40 | 43.1 | 514262.40 | 43.1 | No | 65.82 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9305 | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1344984.31 | 241.7 | 1344984.31 | 241.7 | No | 80.0 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9634 | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OH | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 123405.01 | 26.4 | 123405.01 | 26.4 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx7067 | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | OK | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 299869.40 | 182.6 | 299869.40 | 182.6 | No | 60.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9293 | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 93334.04 | 21.5 | 93334.04 | 21.5 | No | 80.0 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx8431 | 653 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1249050.11 | 127.0 | 1249050.11 | 127.0 | No | 62.21 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx8123 | 676 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | United States of America | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34070.03 | 5.6 | 34070.03 | 5.6 | No | 68.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx8707 | 813 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 481470.89 | 64.8 | No | 47.06 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| xxxxxx9578 | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 981030.67 | 138.3 | 981030.67 | 138.3 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx8494 | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 68944.93 | 33.4 | 68944.93 | 33.4 | No | 55.56 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx1028 | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | PA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 4493.11 | 2.0 | 251639.30 | 113.4 | No | 63.94 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| xxxxxx8288 | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | WA | United States | XXXX |  | XXXX | N/A |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal Use |  | WA | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 467189.87 | 47.6 | 185091.92 | 18.9 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx8438 | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 125396.11 | 49.0 | 125396.11 | 49.0 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9934 | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NC | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NC | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 39083.57 | 11.1 | 61295.06 | 17.5 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| xxxxxx8312 | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | CT | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 85319.67 | 41.2 | 85319.67 | 41.2 | No | 62.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9379 | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 115569.10 | 24.2 | 115569.10 | 24.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9893 | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 52044.76 | 10.0 | 52044.76 | 10.0 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9223 | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | FL | United States of America | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 57978.89 | 13.8 | 57978.89 | 13.8 | No | 79.6 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9385 | 650 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 45666.43 | 22.7 | 45666.43 | 22.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9814 | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 71495.60 | 26.9 | 121850.55 | 45.8 | No | 46.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx8880 | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 4178.53 | 0.7 | No | 70.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx6054 | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 450786.50 | 30.7 | 450786.50 | 30.7 | No | 79.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9014 | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MI | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 210182.98 | 29.7 | 210182.98 | 29.7 | No | 75.0 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx0906 | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | NV | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 72002.36 | 13.8 | 72002.36 | 13.8 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx8142 | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | CA | United States | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 36646.32 | 11.1 | 36646.32 | 11.1 | No | 75.0 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| xxxxxx9406 | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 126800.21 | 26.1 | 126800.21 | 26.1 | No | 50.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |

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| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 7000090849 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2760 | Appraisal - 1007 |  | N/A |  |  | 2760 | Appraisal - 1007 | No | 93.66 | 1.068 | 1.068 | 2585.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 370000 |  | 2760 |  |  |  |  |  |  | No | No | 0 | 2 | 1 | N/A | 148.45 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 7000089417 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  |  |  |  |  | N/A | No |  | 0 | 0 | 3493.76 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  | No | No | 1.4 | 1 | 1 | N/A | 144.75 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 7000088514 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2737.5 | Appraisal - 1007 |  | N/A |  |  | 2737.5 | Appraisal - 1007 | No | 156.43 | 0 | 0 | 4282.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22360 |  | 325000 |  | 2737.5 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 20.2 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 7000092274 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2775 | Appraisal - 1007 |  | N/A |  |  | 2775 | Appraisal - 1007 | No | 95.78 | 1.044 | 1.044 | 2657.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 70861 |  | 485000 |  | 2775 |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 | N/A | 142.11 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 7000091097 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Appraisal - 1007 |  | N/A |  |  | 2700 | Appraisal - 1007 | No | 130.27 | 0.75 | 0.768 | 3517.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 53000 |  |  |  | 2700 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 8.53 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2502148533 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  |  | 0 | 3964.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 385000 |  | 0 |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 7.08 | Yes | XXXX | Sole Proprietor | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 7000109587 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 98.68 | 1.013 | 1.013 | 1776.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1800 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 15.8 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 7000109712 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1900 | 2150 | Appraisal - 1007 |  | N/A |  |  | 1900 | Actual In Place Rent | No | 96.46 | 1.037 | 1.037 | 1832.67 | 1900 | 12-01-2024 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16800 |  |  |  | 1900 |  |  |  |  |  |  | No | No | 4.4 | 4 | 1 | N/A | 6.97 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 7000109782 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6650 | 6650 | Appraisal - 1025 |  | N/A |  |  | 6650 | Actual In Place Rent | No | 68.8 | 1.45 | 1.454 | 4574.99 | 2800 | 01-31-2025 | 12 | 1900 | 04-30-2025 | 12 | 1950 | 03-31-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 265000 |  | 6650 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 17.33 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 7000110101 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1500 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Actual In Place Rent | No | 99.64 | 1.004 | 1.004 | 1494.6 | 1500 | 10-24-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17400 |  | 110000 |  | 1500 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 36.88 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 7000110284 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2427.6 | 2185 | Appraisal - 1007 |  | N/A |  |  | 2427.6 | Actual In Place Rent | No | 99 | 1.01 | 1.01 | 2403.33 | 2427.6 | 01-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | 399990 |  | 2427.6 |  |  |  |  |  |  | No | No | 2 | 1 | 1 | N/A | 150.14 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 7000111164 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2750 | Appraisal - 1007 |  | N/A |  |  | 2750 | Appraisal - 1007 | No | 63.64 | 1.571 | 1.571 | 1750.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 2750 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 85.45 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 7000108079 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  | N/A |  |  | 1700 | Appraisal - 1007 | No | 92.27 | 1.084 | 1.084 | 1568.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6000 |  | 34500 |  | 1700 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 13.04 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 7000111475 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 96.58 | 1.035 | 1.035 | 1448.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1500 |  |  |  |  |  |  | No | No | 0.4 | 4 | 1 | N/A | 15.93 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 7000111462 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4700 | Appraisal - 1007 |  | N/A |  |  |  | Actual In Place Rent | No |  | 0 | 0 | 7674.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 66440 |  | 752600 |  | 0 |  |  |  |  |  |  | No | No | 5.5 | 1 | 1 | N/A | 6.64 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 7000109629 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4477 | 3270 | Appraisal - 1025 |  | N/A |  |  | 3270 | Appraisal - 1025 | No | 94.02 | 1.052 | 1.064 | 3074.33 | 3207 | 03-11-2025 | 1 | 1270 | 03-11-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39240 |  |  |  | 3270 |  |  |  |  |  |  | No | No | 24.3 | 1 | 1 | N/A | 127.36 | No | XXXX |  | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2502147563 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 93.41 |  | 0 | 2055.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 74200 |  | 337490 |  | 2200 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 64.69 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 7000101813 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 8560 | Appraisal - 1007 |  | N/A |  |  | 8560 | Appraisal - 1007 | No | 69.57 | 1.437 | 1.437 | 5955.1 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 8560 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 171.99 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 7000107757 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5250 | 5350 | Appraisal - 1025 |  | N/A |  |  | 5250 | Actual In Place Rent | No | 94.34 | 1.06 | 1.06 | 4952.76 | 1800 | 12-12-2025 | 12 | 1750 | 11-30-2025 | 12 | 1700 | 09-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 63000 |  | 420000 |  | 5250 |  |  |  |  |  |  | No | No | 1.4 | 1 | 1 | N/A | 17.38 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 7000108948 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1600 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1600 | Appraisal - 1007 | No | 87.4 | 1.144 | 1.144 | 1398.46 | 1600 | 01-31-2027 | 48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 59000 |  |  |  | 1600 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 103.21 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2502147468 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2400 | Appraisal - 1007 | No | 133.76 |  | 0 | 3210.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 70200 |  | 350000 |  | 2400 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 77.04 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 7000108106 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5400 | 5900 | Appraisal - 1025 |  | N/A |  |  | 5900 | Appraisal - 1025 | No | 89.92 | 1.112 | 1.112 | 5305.27 | 3050 | 03-31-2025 | 12 | 2350 | 05-01-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 51710 |  |  |  | 5900 |  |  |  |  |  |  | No | No | 8.7 | 5 | 1 | N/A | 122.6 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 7000106556 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3500 | 3500 | Appraisal - 1025 |  | N/A |  |  | 3500 | Appraisal - 1025 | No | 80.86 | 1.237 | 1.237 | 2830.14 | 1800 | 12-31-2025 | 12 | 1700 | 07-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38900 |  | 272000 |  | 3500 |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 | N/A | 38.34 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 7000106562 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3500 | 3400 | Appraisal - 1025 |  | N/A |  |  | 3400 | Appraisal - 1025 | No | 76.95 | 1.299 | 1.3 | 2616.22 | 1700 | 04-30-2026 | 39 | 1800 | 09-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38699 |  | 272000 |  | 3400 |  |  |  |  |  |  | No | No | 0.7 | 20 | 1 | N/A | 119.76 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 7000111104 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 65.5 | 1.52 | 1.527 | 1506.48 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27600 |  |  |  | 2300 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 43.21 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 1 |  | XXXX |
| XXXX | 7000106563 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 3000 | Appraisal - 1025 |  | N/A |  |  | 3000 | Appraisal - 1025 | No | 88.74 | 1.122 | 1.127 | 2662.18 | 1500 | 04-30-2025 | 12 | 1300 | 12-31-2027 | 60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33768 |  | 272000 |  | 3000 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 111.99 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2503149404 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 3550 | Appraisal - 1007 |  | N/A |  |  | 3550 | Appraisal - 1007 | No | 215.05 |  | 0 | 7634.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 168400 |  |  |  | 3550 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 512.26 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | 2502147746 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4100 | Appraisal - 1007 |  | N/A |  |  | 4100 | Appraisal - 1007 | No | 291.26 |  | 0 | 11941.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 0 | 1680000 |  | 4100 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 7.9 | 1 | 1 | N/A | 43.06 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | 2502148707 | XXXX | XXXX | XXXX | XXXX | Asset Utilization (DTI) | Present | No | 0 |  | N/A |  |  |  |  |  | N/A | No |  |  | 0 | 7427.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 46000 |  |  |  | 0 |  |  |  |  |  |  | No | No | 9.5 | 1 | 1 | N/A | 64.83 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 2503151028 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2800 | Actual In Place Rent | No | 79.23 | 1.26 | 1.262 | 2218.51 | 2800 | 02-20-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33600 |  | 219000 |  | 2800 |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 113.43 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxxx0474 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx0474 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx0849 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2585.08 | 2191.41 | XXXX |
| xxxxxx0849 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx0849 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx8670 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx8670 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.09 | 43.72 | XXXX |
| xxxxxx6381 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx6381 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx9417 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx9417 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.81 | 20.80 | XXXX |
| xxxxxx8514 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx8514 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.59 | 35.46 | XXXX |
| xxxxxx0898 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx0898 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx2274 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2657.77 | 2624.08 | XXXX |
| xxxxxx2274 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx2274 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx1097 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| xxxxxx1097 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx1097 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3517.31 | 3480.98 | XXXX |
| xxxxxx7215 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7215 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 497.92 | 0.00 | XXXX |
| xxxxxx7215 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 103.11 | 0.00 | XXXX |
| xxxxxx5822 |  |  | XXXX | Interest Rate | notePage | 6.875 | 0.0000 | XXXX |
| xxxxxx5822 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 1345.07 | 0.00 | XXXX |
| xxxxxx5822 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 249.42 | 0.00 | XXXX |
| xxxxxx5822 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 21.65 | 21.62 | XXXX |
| xxxxxx5822 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.81 | 22.78 | XXXX |
| xxxxxx7850 |  |  | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | XXXX |
| xxxxxx7850 |  |  | XXXX | Interest Rate | notePage | 6.875 | 0.0000 | XXXX |
| xxxxxx7850 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 975.6 | 0.00 | XXXX |
| xxxxxx7850 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 249.5 | 0.00 | XXXX |
| xxxxxx8533 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8533 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 425.18 | 0.00 | XXXX |
| xxxxxx8533 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 262.33 | 0.00 | XXXX |
| xxxxxx9587 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx9587 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 3 | XXXX |
| xxxxxx9587 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx9587 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1776.27 | 1434.27 | XXXX |
| xxxxxx9712 |  |  | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx9712 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| xxxxxx9712 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx9712 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1832.67 | 1807.67 | XXXX |
| xxxxxx9712 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.037 | 1.03 | XXXX |
| xxxxxx0498 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx0498 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5163.53 | 5163.52 | XXXX |
| xxxxxx0498 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 7.37 | 7.38 | XXXX |
| xxxxxx9782 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx9782 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4574.99 | 4258.57 | XXXX |
| xxxxxx0101 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx0897 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx0897 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 3.47 | 3.45 | XXXX |
| xxxxxx1498 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx1498 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 1099 Verified | ALT DOC | XXXX |
| xxxxxx0284 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 3 | XXXX |
| xxxxxx0284 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx0284 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx1164 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx1164 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1750.19 | 1061.69 | XXXX |
| xxxxxx1164 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.571 | 1.25 | XXXX |
| xxxxxx8898 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| xxxxxx8898 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2156.32 | 1594.21 | XXXX |
| xxxxxx8079 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx8079 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1568.54 | 1368.54 | XXXX |
| xxxxxx1475 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx1475 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx1434 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx1434 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx9838 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| xxxxxx9838 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx9838 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Asset Utilization (DTI) | Full Doc | XXXX |
| xxxxxx9838 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | XXXX |
| xxxxxx9838 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4071.2 | 3984.20 | XXXX |
| xxxxxx7346 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx7346 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx7346 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 6111.23 | 6111.24 | XXXX |
| xxxxxx0333 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 774 | 764 | XXXX |
| xxxxxx0333 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx0333 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx0333 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5003.2 | 3950.66 | XXXX |
| xxxxxx6695 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| xxxxxx6695 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx6695 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 9433.82 | 6969.00 | XXXX |
| xxxxxx9583 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| xxxxxx9583 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx9583 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc | XXXX |
| xxxxxx9583 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 12508.15 | 10300.86 | XXXX |
| xxxxxx9583 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 8.58 | 8.59 | XXXX |
| xxxxxx1462 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| xxxxxx1462 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx1462 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 7674.83 | 7509.58 | XXXX |
| xxxxxx1462 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.59 | 33.65 | XXXX |
| xxxxxx1846 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 24 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx1846 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3385.44 | 2840.44 | XXXX |
| xxxxxx1846 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 5.64 | 5.76 | XXXX |
| xxxxxx9629 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx9629 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 3 | XXXX |
| xxxxxx9629 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx9629 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3074.33 | 2720.11 | XXXX |
| xxxxxx7563 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx1813 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 3 | XXXX |
| xxxxxx1813 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx1813 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx1813 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5955.1 | 4898.10 | XXXX |
| xxxxxx1813 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.437 | 2.29 | XXXX |
| xxxxxx9930 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx9930 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx0331 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| xxxxxx0331 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx0331 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | XXXX |
| xxxxxx0331 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Asset Utilization (DTI) | ALT DOC | XXXX |
| xxxxxx0331 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 20698.42 | 13597.92 | XXXX |
| xxxxxx0331 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.89 | 38.42 | XXXX |
| xxxxxx7757 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | XXXX |
| xxxxxx7757 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx7757 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4952.76 | 3514.76 | XXXX |
| xxxxxx1003 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4301.16 | 3552.83 | XXXX |
| xxxxxx8948 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 3 | XXXX |
| xxxxxx8948 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx7468 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8106 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | 2-4 Family | XXXX |
| xxxxxx8106 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx8106 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5305.27 | 5311.61 | XXXX |
| xxxxxx0826 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| xxxxxx0826 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4626.74 | 4595.94 | XXXX |
| xxxxxx6708 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| xxxxxx6708 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx6708 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5240.74 | 5218.24 | XXXX |
| xxxxxx0325 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| xxxxxx0325 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx0325 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx0325 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5316.31 | 4335.19 | XXXX |
| xxxxxx0325 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.76 | 44.91 | XXXX |
| xxxxxx0981 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx7823 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | coming soon | XXXX |
| xxxxxx7823 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7823 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | XXXX |
| xxxxxx7823 |  |  | XXXX | Interest Rate | notePage | 7.375 | 0.0000 | XXXX |
| xxxxxx7823 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 1080.98 | 0.00 | XXXX |
| xxxxxx7823 |  |  | XXXX | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | XXXX |
| xxxxxx7823 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 155.01 | 0.00 | XXXX |
| xxxxxx6556 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx6556 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2830.14 | 2830.15 | XXXX |
| xxxxxx6556 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.237 | 1 | XXXX |
| xxxxxx1521 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx1521 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx6562 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | 2-4 Family | XXXX |
| xxxxxx6562 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 2 | XXXX |
| xxxxxx6562 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx6562 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2616.22 | 2782.47 | XXXX |
| xxxxxx6562 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.3 | 1 | XXXX |
| xxxxxx1104 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 3 | XXXX |
| xxxxxx1104 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx1104 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.527 | 1.52 | XXXX |
| xxxxxx6563 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | 2-4 Family | XXXX |
| xxxxxx6563 |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 2 | XXXX |
| xxxxxx6563 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | XXXX |
| xxxxxx6563 |  |  | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.127 | 1 | XXXX |
| xxxxxx0469 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Asset Utilization (DTI) | ALT DOC | XXXX |
| xxxxxx0469 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | XXXX |
| xxxxxx0483 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx0483 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 10873.56 | 8564.37 | XXXX |
| xxxxxx0483 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.64 | 32.26 | XXXX |
| xxxxxx9094 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx0580 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx0580 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 1099 Verified | ALT DOC | XXXX |
| xxxxxx0023 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | XXXX |
| xxxxxx0023 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.47 | 34.66 | XXXX |
| xxxxxx9404 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | coming soon | XXXX |
| xxxxxx9404 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9404 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| xxxxxx9404 |  |  | XXXX | Interest Rate | notePage | 6.999 | 0.0000 | XXXX |
| xxxxxx9404 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 1353.12 | 0.00 | XXXX |
| xxxxxx9404 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 232.16 | 0.00 | XXXX |
| xxxxxx9323 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9323 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.3 | 37.52 | XXXX |
| xxxxxx7746 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7746 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 2229.17 | 0.00 | XXXX |
| xxxxxx7746 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 342.39 | 0.00 | XXXX |
| xxxxxx9305 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9305 |  |  | XXXX | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | XXXX |
| xxxxxx9634 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 559.84 | 456.36 | XXXX |
| xxxxxx9634 |  |  | XXXX | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | XXXX |
| xxxxxx9634 |  |  | XXXX | CLTV | propertyValuationPage | 79.45 | 80.00 | XXXX |
| xxxxxx9634 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 28.67 | 28.03 | XXXX |
| xxxxxx9634 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.32 | 34.69 | XXXX |
| xxxxxx7067 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7067 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.89 | 34.90 | XXXX |
| xxxxxx9293 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | XXXX |
| xxxxxx9293 |  |  | XXXX | Interest Rate | notePage | 7.75 | 0.0000 | XXXX |
| xxxxxx9293 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx9293 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 580.21 | 0.00 | XXXX |
| xxxxxx9293 |  |  | XXXX | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | XXXX |
| xxxxxx9293 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 105.5 | 0.00 | XXXX |
| xxxxxx9293 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.23 | 39.20 | XXXX |
| xxxxxx8431 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8431 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 1791.67 | 0.00 | XXXX |
| xxxxxx8431 |  |  | XXXX | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | XXXX |
| xxxxxx8431 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 624.33 | 0.00 | XXXX |
| xxxxxx8123 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8123 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 1622.44 | 0.00 | XXXX |
| xxxxxx8123 |  |  | XXXX | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | XXXX |
| xxxxxx8123 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 230.5 | 0.00 | XXXX |
| xxxxxx8707 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8707 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | coming soon | XXXX |
| xxxxxx8707 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 703.92 | 421.00 | XXXX |
| xxxxxx9578 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9578 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 1263.58 | 1212.83 | XXXX |
| xxxxxx9578 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 19.95 | 19.80 | XXXX |
| xxxxxx9578 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.67 | 20.52 | XXXX |
| xxxxxx8494 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx1028 |  |  | XXXX | Occupancy | the1003Page | Investment | NonOwnerOccupied | XXXX |
| xxxxxx1028 |  |  | XXXX | Interest Rate | notePage | 6.625 | 0.0000 | XXXX |
| xxxxxx1028 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 267.75 | 0.00 | XXXX |
| xxxxxx1028 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 272.18 | 0.00 | XXXX |
| xxxxxx8288 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8438 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8438 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 396.94 | 399.10 | XXXX |
| xxxxxx8438 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 44.4 | 44.43 | XXXX |
| xxxxxx8438 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.83 | 44.87 | XXXX |
| xxxxxx9934 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | XXXX |
| xxxxxx9934 |  |  | XXXX | Interest Rate | notePage | 7.999 | 0.0000 | XXXX |
| xxxxxx9934 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| xxxxxx9934 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 342.07 | 0.00 | XXXX |
| xxxxxx9934 |  |  | XXXX | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | XXXX |
| xxxxxx9934 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 188.33 | 0.00 | XXXX |
| xxxxxx9934 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.91 | 32.29 | XXXX |
| xxxxxx8312 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8312 |  |  | XXXX | CLTV | propertyValuationPage | 60.96 | 62.26 | XXXX |
| xxxxxx9379 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9379 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.13 | 28.12 | XXXX |
| xxxxxx9893 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9223 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 681.52 | 0.00 | XXXX |
| xxxxxx9223 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 158.48 | 0.00 | XXXX |
| xxxxxx9385 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9814 |  |  | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | XXXX |
| xxxxxx9814 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 227.44 | 0.00 | XXXX |
| xxxxxx9814 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 101.88 | 0.00 | XXXX |
| xxxxxx9814 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 11.52 | 11.58 | XXXX |
| xxxxxx9814 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 5.48 | 5.54 | XXXX |
| xxxxxx8880 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8880 |  |  | XXXX | Monthly Property Tax Amount | titlePage | 832.22 | 0.00 | XXXX |
| xxxxxx8880 |  |  | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | Yes | NA | XXXX |
| xxxxxx8880 |  |  | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | 95.25 | 0.00 | XXXX |
| xxxxxx6054 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx6054 |  |  | XXXX | CLTV | propertyValuationPage | 79.97 | 79.99 | XXXX |
| xxxxxx0906 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | coming soon | XXXX |
| xxxxxx0906 |  |  | XXXX | Mortgage Insurance Flag | mortgageInsurancePage | No | 0 | XXXX |
| xxxxxx8142 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8142 |  |  | XXXX | Property City | notePage | XXXX | XXXX | XXXX |
| xxxxxx9406 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx9406 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.62 | 31.76 | XXXX |

---

## Exhibit 99.3

**Exhibit 99.3**

**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 Santander Bank, N.A. through a bulk purchase. The review included a total of 139 newly originated residential mortgage loans acquired through a bulk purchase in connection with the securitization identified as SAN 2025-NQM3 (the "Securitization"). The Review was conducted from January 2025 through April 2025 on mortgage loans originated between January 2025 and April 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. QM
or ATR Validation / Review of 8 Key Underwriting Factors

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

c. Review borrower's occupancy

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

f. Confirm that Final 1003 is sufficiently completed

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

h. Confirm Loan Approval conditions were met

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

o The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (139 loans in total):

Eighty-six (86) loans had CU scores of 2.5 or less or were eligible for Collateral Rep and Warranty relief.

Two (2) loans had a Secondary Appraisal, zero (0) loans had an AVM, and sixty-four (64) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then an additional valuation product was completed. 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 hundred thirty-nine (139) mortgage loans reviewed, one hundred twenty-four (124) unique mortgage loans (89.21% by loan count) had a total of one hundred fifty (150) discrepancies across fourteen (14) 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;PITIA | &nbsp;&nbsp;103 | &nbsp;&nbsp;68.67% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.00% |
| &nbsp;&nbsp;P&I | &nbsp;&nbsp;9 | &nbsp;&nbsp;6.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;4.67% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.33% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.33% |
| &nbsp;&nbsp;Monthly Insurance | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.33% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.33% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**150** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 136 | $45831606.00 | 97.84% |
| Event Grade B | 3 | $1995000.00 | 2.16% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 139 | $47826606.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 137 | 98.56% |
| Event Grade B | 2 | 1.44% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 139 | 100.00% |
| **Compliance Results (As applicable, 124 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 124 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 124 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 15 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 15 | 100.00% |
| **Valuation Results:** | **Valuation Results:** |  |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 138 | 99.28% |
| Event Grade B | 1 | 0.72% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 139 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception<br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Findings | &nbsp;&nbsp;119 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;3 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Entity Documentation - Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Mortgage Payment History Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documentation Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Satisfactory Chain of Title not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Note is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Closing Disclosure/Settlement Statement Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp; Entity Documentation - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Maturity Date is not the first of the month | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Taxpayer First Act Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***146*** |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insufficient Assets for Reserves | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Collateral Protection Notice is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Closing disclosure loan terms- Prepayment Penalty | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***19*** |
| &nbsp;&nbsp; Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;13 |
| &nbsp;&nbsp; Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***16*** |
| &nbsp;&nbsp; Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property – Square Footage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) 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. |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 400103976 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 01/20/2025 | Resolved | 2412142216-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400104003 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 01/29/2025 | Resolved | 8355018699 | Credit | Mortgage Payment History Missing or Defective | Missing payment history for subject's previous mortgage loan #XXX from XX/XXXX to XX/XXXX. There is only payment history from XX/XXXX to present. | There is no mtg history from the borrower XXX – XXX. Borrower was added to tile in XXX XXX | 01/29/2025 | 20250131: Rescind. Mortgage history in file is sufficient. | 01/31/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 400104003 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 01/29/2025 | Acknowledged | 8355279325 | Credit | Insufficient Assets for Reserves | $XXX assets < $XXX minimum liquidity required for XXX months' reserves. Please provide additional assets. | Exception approval uploaded | 01/29/2025 | 20250131: Exception approval received. | 01/31/2025 | LTV < XX%, FICO > XXX D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 400097523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/11/2025 | Resolved | 2502145903-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097247 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/12/2025 | Resolved | 2502146851-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/12/2025 | Resolved | 2501144831-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097469 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/14/2025 | Resolved | 2502147296-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097241 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/14/2025 | Resolved | 2502146969-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/14/2025 | Resolved | 2502148653-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103985 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/14/2025 | Resolved | 2503149214-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097237 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/14/2025 | Resolved | 2502147948-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/17/2025 | Resolved | 2502148894-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/17/2025 | Resolved | 2503149519-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/17/2025 | Resolved | 2502148013-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/18/2025 | Resolved | 2501144883-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097392 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/18/2025 | Resolved | 2502146047-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097250 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/18/2025 | Resolved | 2502148106-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097283 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/18/2025 | Resolved | 8727289371 | Credit | Hazard Insurance Missing or Defective | Hazard insurance effective date of XX/XX/XXXX is after loan origination and disbursement date of XX/XX/XXXX. Please provide updated hazard insurance with an effective date of XX/XX/XXXX. | Loan disbursed on XX/XX. Please see attached Final SS. | 03/19/2025 | 20250319: Received final HUD with a disbursement date of XX/XX. Hazard insurance is sufficient. | 03/19/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103961 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/18/2025 | Resolved | 2503149410-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097500 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/18/2025 | Resolved | 2502147206-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/18/2025 | Resolved | 2502146503-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097408 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/18/2025 | Resolved | 2502148649-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103960 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/18/2025 | Resolved | 2503149407-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097407 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/19/2025 | Resolved | 2503149500-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/19/2025 | Resolved | 2502148177-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400104004 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/20/2025 | Resolved | 8745182277 | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement for XXX | Property is located in XXX- where the operating agreement is not legally mandated. Please clear, thank you! | 03/24/2025 | 20250404: Rescind. Both members of borrowing entity are XXX, operating agreement not required. <br> 20250325: Although operating agreement is not required in XXX, ownership percentages of borrowing entity are required to determine authorization of loan documents and personal guaranty. Please provide ownership percentages for borrowing entity. | 04/04/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103988 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/20/2025 | Resolved | 2503149643-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/20/2025 | Resolved | 2502146908-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/21/2025 | Resolved | 2501145735-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/21/2025 | Resolved | 2502145825-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/21/2025 | Resolved | 2503149219-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/24/2025 | Resolved | 2502147793-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/24/2025 | Resolved | 2502147271-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103959 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/24/2025 | Resolved | 8768171289 | Credit | Asset Documentation Missing or Defective | Missing asset documentation from borrower. | Uploaded. | 03/25/2025 | 20250327: Received asset documentation. | 03/27/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103917 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/24/2025 | Resolved | 8767778218 | Credit | Entity Documentation - Missing or Defective | Missing Operating Agreement for XXX | Please review. | 03/25/2025 | 20250325: Received operating agreement. | 03/25/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103917 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/24/2025 | Resolved | 8767813118 | Credit | Deed Missing or Defective | Missing conveyance deed from XXX, XXX to XXX | Please review. | 03/25/2025 | 20250325: Received conveyance deed. | 03/25/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103917 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/24/2025 | Resolved | 8767648493 | Credit | Entity Documentation - Missing or Defective | Missing EIN for XXX | Please review. | 03/25/2025 | 20250325: Received EIN. | 03/25/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103916 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/25/2025 | Resolved | 2503149151-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/25/2025 | Resolved | 2502146761-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097360 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/25/2025 | Resolved | 2502148063-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/25/2025 | Resolved | 2502147621-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/25/2025 | Resolved | 2503149277-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/25/2025 | Resolved | 2502148300-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097229 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/25/2025 | Resolved | 2502148392-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097311 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/25/2025 | Resolved | 2503149300-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103912 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/25/2025 | Resolved | 2503149426-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103986 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/26/2025 | Resolved | 2502147360-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103966 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/27/2025 | Resolved | 2502148546-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103992 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/27/2025 | Resolved | 2411139059-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103975 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/27/2025 | Acknowledged | 8801354330 | Credit | Excessive LTV Ratio | XXX% LTV > XXX% limit for XXX. | Hi, please see attached Exception. | 03/27/2025 | 20250328: Exception approval received. | 03/28/2025 | DSCR X.XX+, XXX FICO, XxXXxXX housing history B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 400103891 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/27/2025 | Resolved | 2503150549-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103989 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/28/2025 | Resolved | 2502147769-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103990 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/28/2025 | Resolved | 2502147777-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103969 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/28/2025 | Resolved | 2502148012-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103979 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/28/2025 | Resolved | 2503149261-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103974 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/28/2025 | Resolved | 2502148528-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103984 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/28/2025 | Resolved | 2502146100-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103977 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/31/2025 | Resolved | 2503149316-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103924 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/31/2025 | Resolved | 2503149343-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103967 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/31/2025 | Resolved | 8822003258 | Credit | Title Insurance Coverage - Inadequate Coverage | $XXX title insurance coverage < $XXX minimum coverage required. | uploaded | 03/31/2025 | 20250331: Updated title insurance with correct amount of coverage | 03/31/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103921 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/31/2025 | Resolved | 2503149880-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103991 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/31/2025 | Resolved | 2503149229-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103970 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/31/2025 | Resolved | 2503149278-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103901 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 03/31/2025 | Resolved | 2503151496-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103963 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/01/2025 | Resolved | 2503149405-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103978 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/01/2025 | Resolved | 8835358368 | Credit | Insufficient Assets to Close | $XXX assets < $XXX minimum liquidity required. Please provide additional assets. | Doc uploaded | 04/09/2025 | 20250410: Received final HUD removing cash to close. Assets are sufficient. <br> 20250404: Asset breakdown as follows: $XXX cash to close + $XXX three months' reserves = $XXX total required liquidity. Please provide additional assets. | 04/10/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103983 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/01/2025 | Resolved | 2502148327-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103973 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/01/2025 | Resolved | 2502146198-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103962 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/01/2025 | Resolved | 8834392975 | Property | Subject Property Lease - Missing or Defective | Lease Agreement Amendment in file on page 46 is not executed by the borrower. Please provide fully executed lease amendment. | please see lease addendum attached, executed by tenant and landlord. TY | 04/01/2025 | 20250402: Received fully executed lease amendment. | 04/02/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103965 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/01/2025 | Resolved | 2502146198-6 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103954 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/01/2025 | Resolved | 2502146198-9 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103890 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/01/2025 | Resolved | 8836609165 | Property | Appraisal Review - Missing | Missing appraisal review for subject property located at: XXX | Please review CDA. Thank you! | 04/02/2025 | 20250404: Received appraisal review. | 04/04/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103980 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2025 | Resolved | 2412142305-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2025 | Resolved | 2503149310-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103972 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2025 | Resolved | 2503149757-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2025 | Resolved | 2503149780-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103918 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2025 | Resolved | 8845786660 | Credit | Insufficient Assets for Reserves | $XXX assets < $XXX minimum assets required. Please provide additional assets. | Hi, please see attached VODs. <br> Hi, there were Gifts of $XXX that was sent directly to Title. That means the borrower just need to come in with $XXX. So we have $XXX in assets for reserves. | 04/08/2025 | 20250409: Received updated assets. <br> 20250404: After gift of equity of $XXX, assets are still short $XXX. Asset breakdown as follows: $XXX XXX #XXX + $XXX XXX #XXX + $XXX XXX #XXX + $XXX gift funds = $XXX total available liquidity. Total required liquidity breakdown: $XXX cash to close + $XXX three months' reserves = $XXX total required liquidity. Please provide additional assets. | 04/09/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103971 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2025 | Resolved | 8843264253 | Credit | Insufficient Assets to Close | $XXX assets < $XXX minimum liquidity required. Please provide additional assets. | The remaining balance of $ XXX after purchase of cashiers check for closing costs is more than sufficient to cover XXX month reserve. DSCR doesn't require reserves for other financed properties, so we only need XXX months for the subject on this one. requirement of $XXX. | 04/02/2025 | 20250404: Rescind. Cashier check in file used for closing costs, assets are sufficient. | 04/04/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103876 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2025 | Resolved | 8846748893 | Credit | Deed Missing or Defective | Missing conveyance deed from XXX XXX XXXXX, XXX XXX XXXXX, XXX XXX XXX XXX and XXX XXX XXX to XXX XXX XXX | Requested doc uploaded | 04/03/2025 | 20250404: Received conveyance deed. | 04/04/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103968 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2025 | Resolved | 2502148272-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103879 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2025 | Resolved | 8845720082 | Credit | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no mortgagee clause and Insured amount. Please provide a title supplement or updated title insurance to meet guideline requirements. | Please see attached Title Supplement. | 04/03/2025 | 20250404: Received updated title insurance. | 04/04/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103964 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2025 | Resolved | 2502146836-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103887 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2025 | Resolved | 8846629361 | Credit | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no mortgagee clause and Insured amount. Please provide a title supplement or updated title insurance to meet guideline requirements. | Please see attached Title Supplement. | 04/03/2025 | 20250404: Received updated title insurance. | 04/04/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103904 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2025 | Resolved | 2503151691-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103955 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2025 | Resolved | 2503150973-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103957 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2025 | Resolved | 2503149895-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103987 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/02/2025 | Resolved | 2503149902-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103958 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/03/2025 | Resolved | 2501143351-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103958 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/03/2025 | Resolved | 2501143351-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103889 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/03/2025 | Resolved | 2503149389-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103905 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/03/2025 | Resolved | 2503149628-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103981 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/03/2025 | Acknowledged | 8856373538 | Property | Ineligible Property – Square Footage | Units 3 and 4 of subject property contain less than 400 square feet. Per UWG, each unit must contain a minimum of 400 square footage. | exception letter in file | 04/04/2025 | 20250407: Exception approval received. | 04/07/2025 | XXX FICO, XxXXxXX B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 400103906 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/03/2025 | Resolved | 2503151516-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103909 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/03/2025 | Resolved | 2503152055-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103878 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/03/2025 | Resolved | 8856140645 | Credit | Closing Disclosure/Settlement Statement Missing or Defective | HUD displays payoff for XXX account #XXX IAO $XXX. Per mortgage statements in file, mortgage account is secured by borrower's primary residence located at XXX. Please provide updated HUD removing payoff. | please see final settlement statement stamped by title/escrow company. payoff not listed. | 04/03/2025 | 20250404: Received updated HUD removing payoff. | 04/04/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103953 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/03/2025 | Resolved | 2502148037-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103880 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/03/2025 | Resolved | 2503149205-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103877 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/03/2025 | Resolved | 2502148660-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103900 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/03/2025 | Resolved | 2502147288-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103881 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/03/2025 | Resolved | 2503149533-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103907 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/03/2025 | Resolved | 2503149666-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103899 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/04/2025 | Resolved | 2502148502-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103897 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/04/2025 | Resolved | 2503151902-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103888 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/07/2025 | Resolved | 8865934923 | Credit | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with lender's name and insured amount missing. Please provide a title supplement or updated title insurance to meet guideline requirements. | Uploaded | 04/09/2025 | 20250410: Received updated title insurance. | 04/10/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103886 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/07/2025 | Resolved | 2412141978-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103908 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/07/2025 | Resolved | 2503150676-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103883 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/07/2025 | Resolved | 2503149324-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103893 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/08/2025 | Resolved | 2503149455-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103895 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/08/2025 | Resolved | 2503149841-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103870 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/08/2025 | Resolved | 2503149544-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103892 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/08/2025 | Resolved | 2503149144-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103922 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/08/2025 | Resolved | 2503149160-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103915 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/08/2025 | Resolved | 2503149616-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103898 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/08/2025 | Resolved | 2503149269-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103874 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/08/2025 | Resolved | 2503149336-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103902 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/09/2025 | Resolved | 2503149771-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103896 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/09/2025 | Resolved | 2502149061-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103914 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/09/2025 | Resolved | 2503151202-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103920 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/11/2025 | Resolved | 2502148424-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103885 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/11/2025 | Resolved | 2501145237-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103871 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/11/2025 | Resolved | 2503151379-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103903 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/11/2025 | Resolved | 2503151509-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103923 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/11/2025 | Resolved | 2503151639-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103894 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/11/2025 | Resolved | 2503151706-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103875 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/11/2025 | Resolved | 2503150885-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103873 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/11/2025 | Resolved | 2503150944-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103882 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/14/2025 | Resolved | 2502147466-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400103919 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Complete | 04/14/2025 | Resolved | 2503151535-1 | Credit | No Findings | The loan meets all applicable guidelines | The loan meets all applicable guidelines | 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 |
| 400097222 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement Date of XX-XX-XXXX. Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement Date of XX-XX-XXXX. | Document Uploaded. Loan funded XX/XX. Please see Final Settlement statement. | 03/17/2025 | Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Disbursement Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided.; Updated settlement statement | 03/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 400097222 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 400097222 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 400097336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | No credit findings. The loan meets all applicable credit guidelines. | No credit findings. The loan meets all applicable credit guidelines. | No credit findings. The loan meets all applicable credit guidelines. |  | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400097336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400097336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400097358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400097358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. | No Credit Findings. The loan meets all applicable credit guidelines. | No Credit Findings. The loan meets all applicable credit guidelines. | No Credit Findings. The loan meets all applicable credit guidelines. |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. | No Credit Findings. The loan meets all applicable credit guidelines. | No Credit Findings. The loan meets all applicable credit guidelines. | No Credit Findings. The loan meets all applicable credit guidelines. |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103934 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103866 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. | No property findings. Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103866 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. | No credit findings. The loan meets all applicable credit guidelines. | No credit findings. The loan meets all applicable credit guidelines. | No credit findings. The loan meets all applicable credit guidelines. |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103866 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of XX%<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103942 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103942 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103942 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCRE1151 | Credit | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided The title commitment referenced a Special Warranty Deed as part of the chain of title, but a copy was not included in the loan file. Please provide a copy of the Special Warranty Deed recorded in/under the County's Clerk's File No. XXX. | Document Uploaded. | 04/09/2025 | Satisfactory Chain of Title has been provided | 04/11/2025 | Borrower has stable job time - Borrower has X.X years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 400103939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Amendment to contract is missing the Seller's signature. | Document Uploaded. | 04/09/2025 | Purchase Contract Doc is complete. | 04/11/2025 | Borrower has stable job time - Borrower has X.X years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 400103939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Per Guidelines, if business funds are used, the borrower may use a maximum of their percentage of ownership as qualifying assets, but If funds needed exceed the maximum percentage of ownership, XXX% access letter is required. The most recent statement for the business account #XXX with XXX shows a current balance of $XXX, which is equivalent to $XXX at XXX% of the verified Borrower's ownership percentage. This amount does not cover the required cash to close of $XXX, 30-day account balance of $XXX and 3-months reserves of $XXX, totaling $XXX. Please provide a letter from the co-owner of the business granting XXX% access to all the funds. | Document Uploaded. | 04/09/2025 | Asset Qualification Meets Guideline Requirements | 04/11/2025 | Borrower has stable job time - Borrower has X.X years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 400103939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | 04/04/2025 | Borrower has stable job time - Borrower has X.X years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 400103939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  | Borrower has stable job time - Borrower has X.X years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 400103928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCOM9799 | Compliance | TRID: Closing disclosure loan terms- Prepayment Penalty | Closing disclosure loan terms- Prepayment Penalty Indicator (No) does not match Note (null). Missing Final CD and Note | uploaded closing package to clear all missing items. | 04/09/2025 | Note and Final CD Prepayment Penalty indicators match | 04/11/2025 | Borrower has stable job time - Borrower has XX.X years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 400103928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Missing Final CD. Please provide Copy of Note for testing | TRID: Missing Final Closing Disclosure Missing Final CD. Please provide Copy of Note for testing | TRID: Missing Final Closing Disclosure Missing Final CD. Please provide Copy of Note for testing | TRID: Final Closing Disclosure Provided | 04/11/2025 | Borrower has stable job time - Borrower has XX.X years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 400103928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. Missing copy of final CD, Note and DOT. | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. Missing copy of final CD, Note and DOT. | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. Missing copy of final CD, Note and DOT. | Evidence of appraisal delivery provided. | 04/11/2025 | Borrower has stable job time - Borrower has XX.X years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 400103928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Initial Escrow Account Disclosure is Missing | Initial Escrow Account Disclosure is Missing Initial Escrow Account Disclosure is Missing | Initial Escrow Account Disclosure is Missing Initial Escrow Account Disclosure is Missing | Initial Escrow Account Disclosure is Resolved | 04/11/2025 | Borrower has stable job time - Borrower has XX.X years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 400103928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCOM1280 | Compliance | Collateral Protection Notice is Missing | Collateral Protection Notice was not provided. TX Collateral Protection Notice was not provided. | Collateral Protection Notice was not provided. TX Collateral Protection Notice was not provided. | Collateral Protection Notice was not provided. TX Collateral Protection Notice was not provided. | Collateral Protection Notice was provided. | 04/11/2025 | Borrower has stable job time - Borrower has XX.X years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 400103928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing Missing PUD Rider. | Document Uploaded. | 04/11/2025 | The XXX is Present or is Not Applicable (Property Type is XXX); Exception Resolved and added to DOT page | 04/11/2025 | Borrower has stable job time - Borrower has XX.X years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 400103928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX-XX-XXXX is after the Disbursement Date of XX-XX-XXXX. Missing Final CD to determine disbursement date. | complete closing package uploaded to document uploads | 04/11/2025 | Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Disbursement Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided.; Exception resolved with uploaded updated Final CD. | 04/11/2025 | Borrower has stable job time - Borrower has XX.X years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 400103928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCRE1104 | Credit | Maturity Date is not the first of the month | Maturity Date is not the first day of the month Note is missing | uploaded closing package to uploads to clear all open conditions | 04/09/2025 | Maturity Date is the first day of the month | 04/11/2025 | Borrower has stable job time - Borrower has XX.X years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 400103928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. Note is missing | closing package uploaded to uploads to clear conditions | 04/09/2025 | The Note is Present. | 04/11/2025 | Borrower has stable job time - Borrower has XX.X years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 400103928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Missing mortgage document. | Document Uploaded. | 04/11/2025 | The Deed of Trust is Present | 04/11/2025 | Borrower has stable job time - Borrower has XX.X years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 400103928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing Missing Final 1003. | The Final 1003 is Missing Missing Final 1003. | The Final 1003 is Missing Missing Final 1003. | The Final 1003 is Present; | 04/11/2025 | Borrower has stable job time - Borrower has XX.X years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 400103928 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/03/2025 | Resolved | FCOM3592 | Credit | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. Missing Taxpayer First Act Disclosure. | closing loan package uploaded to documents | 04/11/2025 | Taxpayer First Act Disclosure is provided | 04/11/2025 | Borrower has stable job time - Borrower has XX.X years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 400103951 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  | Qualifying DTI below max allowed. - Calculated DTI of X.XX% is less than Guideline DTI of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103951 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. | No Credit Findings. The loan meets all applicable credit guidelines. | No Credit Findings. The loan meets all applicable credit guidelines. | No Credit Findings. The loan meets all applicable credit guidelines. |  | Qualifying DTI below max allowed. - Calculated DTI of X.XX% is less than Guideline DTI of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103951 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of X.XX% is less than Guideline DTI of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103841 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103841 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103841 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. | 04/10/2025 | Third party valuation product provided within tolerance. | 04/11/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 400103943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | 04/07/2025 | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 400103943 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 400103863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103863 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Borrower has stable job time - Borrower has X.XX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103851 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | 04/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103851 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2025 | Resolved | finding-2962 | Compliance | XXX XXX 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX XXX 260 higher-priced mortgage loan test. (XXX XXX 260, XXX XXX Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX.While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX XXX 260 higher-priced mortgage loan test. (XXX XXX 260, XXX XXX Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX.While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | This loan failed the XXX XXX 260 higher-priced mortgage loan test. (XXX XXX 260, XXX XXX Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX.While the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | HPML compliant | 04/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103851 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | No Property Findings. Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103851 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. | No Credit Findings. The loan meets all applicable credit guidelines. | No Credit Findings. The loan meets all applicable credit guidelines. | No Credit Findings. The loan meets all applicable credit guidelines. |  | Qualifying DTI below max allowed. - Calculated DTI of XX.XX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XX.XX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103843 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103843 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103843 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has X.XX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103849 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. | The loan meets all applicable credit guidelines. |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XX.XX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103849 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. | Property and valuations related findings were not identified on the loan. |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XX.XX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400103849 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. | The loan is in compliance with all applicable laws and regulations. |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XX.XX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX% is less than Guideline CLTV of XX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XX% is less than Guideline LTV of XX% A | A | A | A | A | A | A | A | A | A | A | A | A |

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| **Loan ID** | **Loan Number** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 400103976 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400104003 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  | XX/XX/XXXX | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097523 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097437 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097247 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097241 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.03 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097469 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097237 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097514 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103985 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097515 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097251 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097324 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097561 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097392 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097283 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097461 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097500 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097250 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097408 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103960 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.10 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | Yes | XXX |
| 400103961 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.10 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | Yes | XXX |
| 400097264 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097407 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097579 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400104004 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103988 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097375 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097504 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097304 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097498 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097427 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103959 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103917 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097451 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097285 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097360 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097276 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097229 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103916 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097573 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097311 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103912 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103986 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103992 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103975 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103966 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103891 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103984 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103989 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103990 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103969 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103974 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103979 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103967 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103991 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103970 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103977 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103924 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103921 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103901 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103965 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103978 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103973 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103983 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103954 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103962 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103963 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103890 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103980 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103971 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103964 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103887 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103968 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103879 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103911 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.03 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103918 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103876 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103972 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103952 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103957 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103987 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103955 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103904 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103958 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103900 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103953 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103877 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103981 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103880 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103889 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103878 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103881 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103905 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX |  |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  | XX/XX/XXXX | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103907 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103906 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103909 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103899 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103897 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103888 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | $XXX | XX/XX/XXXX | XXX | XXX |  | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103908 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103883 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103886 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103892 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103922 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103898 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103874 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103893 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103870 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103915 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103895 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103914 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103902 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103896 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103885 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103920 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103875 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103873 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103871 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103903 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103923 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103894 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103882 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103919 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097222 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX |  |  |  | Yes | No | 95 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097336 | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX |  |  |  | Yes | No | 36 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400097358 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX |  |  |  | Yes | No | 24 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103934 | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 1 | 1 | No | 0 | 1 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 | XXX | No | XXX |
| 400103866 | XXXXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX |  |  |  | Yes | No | 61 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103942 | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX | XXX |  |  | Yes | No | 240 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103939 | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX |  |  |  | Yes | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103928 | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX |  |  |  | Yes | No | 262 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103951 | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103841 | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100 | 12 |  |  |  | XXX |  |  | Yes | No | 120 | No | 0 | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103943 | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX |  |  |  | Yes | No | 36 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103863 | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100 |  | 12 |  | XXX |  |  |  | Yes | No | 24 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103851 | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX |  |  |  | Yes | No | 84 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103843 | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX |  |  |  | Yes | No | 33 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |
| 400103849 | XXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100 |  | 12 |  | XXX |  |  |  | Yes | No | 69 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | No | XXX |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 400103976 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400104003 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 400097523 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097437 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097247 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097241 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097469 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097237 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097514 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103985 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097515 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097251 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097324 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097561 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097392 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097283 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 400097461 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097500 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097250 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097408 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103960 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103961 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097264 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097407 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097579 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400104004 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 400103988 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097375 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097504 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097304 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097498 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097427 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103959 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 400103917 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 400097451 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097285 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097360 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097276 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097229 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103916 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097573 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097311 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103912 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103986 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103992 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103975 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 400103966 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103891 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103984 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103989 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103990 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103969 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103974 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103979 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103967 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 400103991 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103970 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103977 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103924 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103921 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103901 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103965 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103978 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 400103973 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103983 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103954 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103962 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 400103963 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103890 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 400103980 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103971 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 400103964 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103887 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 400103968 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103879 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 400103911 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103918 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 400103876 | XXXXX |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 400103972 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103952 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103957 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103987 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103955 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103904 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103958 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103900 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103953 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103877 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103981 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 400103880 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103889 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103878 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 400103881 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103905 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103907 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103906 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103909 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103899 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103897 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103888 | XXXXX |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 400103908 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103883 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103886 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103892 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103922 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103898 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103874 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103893 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103870 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103915 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103895 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103914 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103902 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103896 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103885 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103920 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103875 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103873 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103871 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103903 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103923 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103894 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103882 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400103919 | XXXXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 400097222 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 400097336 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 400097358 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 400103934 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 400103866 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 400103942 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 400103939 | XXXXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 400103928 | XXXXX |  | $XXXXXX D | D | D | D | D | D A | A | A | A | A | A |
| 400103951 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 400103841 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 400103943 | XXXXX |  | $XXXXXX A | A | A | A | A | A C | A | A | A | A | A |
| 400103863 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 400103851 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 400103843 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 400103849 | XXXXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 400103976 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 400104003 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.89% | 50.89% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400097523 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.95% | 74.95% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400097437 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 400097247 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.57% | 68.57% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400097241 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400097469 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Eligible | 1.2 |  |
| 400097237 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.74% | 48.74% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400097514 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 400103985 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400097515 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.17% | 69.17% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 400097251 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 400097324 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Not Eligible |  |  |
| 400097561 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 400097392 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.45% | 63.45% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 400097283 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Eligible | 1.4 |  |
| 400097461 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 400097500 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400097250 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.77% | 30.77% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400097408 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103960 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Not Eligible |  |  |
| 400103961 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400097264 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -8.45% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 400097407 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.86% | 60.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400097579 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 68.51% | 68.51% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -7.69% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400104004 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 400103988 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400097375 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 400097504 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.90% | 61.90% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -5.17% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 400097304 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400097498 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400097427 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103959 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 400103917 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400097451 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -4.26% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Eligible | 1 |  |
| 400097285 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400097360 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -9.09% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400097276 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Not Eligible | 3.9 |  |
| 400097229 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 400103916 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 400097573 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 400097311 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 34.48% | 34.48% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 400103912 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103986 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.28% | 79.28% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 400103992 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 28.09% | 28.09% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103975 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103966 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103891 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.29% | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 400103984 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103989 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103990 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103969 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 400103974 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Not Eligible |  |  |
| 400103979 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Eligible | 1 |  |
| 400103967 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.73% | 72.73% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103991 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.47% | 16.47% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 400103970 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.67% | 54.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 400103977 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103924 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 69.79% | 69.79% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103921 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103901 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 64.29% | 64.29% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103965 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 64.53% | 64.53% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Not Eligible |  |  |
| 400103978 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Eligible | 1.7 |  |
| 400103973 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.58% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 400103983 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103954 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103962 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103963 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103890 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 400103980 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -6.69% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103971 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Eligible | 1 |  |
| 400103964 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103887 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 63.79% | 63.79% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103968 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103879 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103911 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103918 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103876 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103972 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.96% | 69.96% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103952 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 400103957 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103987 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 400103955 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 400103904 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.56% | 55.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103958 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -3.13% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103900 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Not Eligible | 3.8 |  |
| 400103953 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 400103877 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103981 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103880 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 400103889 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 400103878 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.33% | 55.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 400103881 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Eligible | 1.8 |  |
| 400103905 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.38% | 64.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 400103907 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103906 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103909 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103899 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103897 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103888 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 41.05% | 41.05% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 400103908 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103883 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 400103886 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 400103892 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.16% | 63.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.11% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 400103922 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103898 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Eligible | 1 |  |
| 400103874 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 55.65% | 55.65% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103893 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103870 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.06% | 79.06% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103915 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Not Eligible |  |  |
| 400103895 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103914 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 58.57% | 58.57% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103902 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Not Eligible |  |  |
| 400103896 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 400103885 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 400103920 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400103875 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.65% | 77.65% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103873 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103871 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0 |  | XX/XX/XXXX 1004D |  |  | Eligible | 1 |  |
| 400103903 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.27% | 79.27% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103923 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 400103894 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 400103882 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 400103919 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400097222 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 400097336 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 400097358 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 400103934 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 400103866 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.11% | 61.11% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400103942 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 400103939 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103928 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 400103951 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  | $XXX | $XXX | $0.00 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 400103841 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400103943 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.75% | 78.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400103863 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 400103851 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% | $XXX | $XXX | -$0.02 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.31% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 400103843 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 400103849 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 400097523 | XXXXX | PITIA | XXX | XXX |  |
| 400097437 | XXXXX | PITIA | XXX | XXX |  |
| 400097437 | XXXXX | Qualifying FICO | XXX | XXX |  |
| 400097247 | XXXXX | PITIA | XXX | XXX |  |
| 400097241 | XXXXX | PITIA | XXX | XXX |  |
| 400097469 | XXXXX | PITIA | XXX | XXX |  |
| 400097237 | XXXXX | PITIA | XXX | XXX |  |
| 400097514 | XXXXX | PITIA | XXX | XXX |  |
| 400097515 | XXXXX | PITIA | XXX | XXX |  |
| 400097251 | XXXXX | PITIA | XXX | XXX |  |
| 400097561 | XXXXX | PITIA | XXX | XXX |  |
| 400097392 | XXXXX | Loan Purpose | XXX | XXX |  |
| 400097392 | XXXXX | PITIA | XXX | XXX |  |
| 400097283 | XXXXX | PITIA | XXX | XXX |  |
| 400097461 | XXXXX | PITIA | XXX | XXX |  |
| 400097500 | XXXXX | PITIA | XXX | XXX |  |
| 400097250 | XXXXX | PITIA | XXX | XXX |  |
| 400097250 | XXXXX | Qualifying FICO | XXX | XXX |  |
| 400097408 | XXXXX | PITIA | XXX | XXX |  |
| 400103960 | XXXXX | Sales Price | XXX | XXX |  |
| 400103960 | XXXXX | Original LTV | XXX | XXX |  |
| 400103961 | XXXXX | Sales Price | XXX | XXX |  |
| 400103961 | XXXXX | Original LTV | XXX | XXX |  |
| 400097264 | XXXXX | PITIA | XXX | XXX |  |
| 400097407 | XXXXX | PITIA | XXX | XXX |  |
| 400097579 | XXXXX | P&I | XXX | XXX |  |
| 400097579 | XXXXX | PITIA | XXX | XXX |  |
| 400104004 | XXXXX | PITIA | XXX | XXX |  |
| 400097375 | XXXXX | PITIA | XXX | XXX |  |
| 400097504 | XXXXX | PITIA | XXX | XXX |  |
| 400097304 | XXXXX | PITIA | XXX | XXX |  |
| 400097498 | XXXXX | PITIA | XXX | XXX |  |
| 400097427 | XXXXX | PITIA | XXX | XXX |  |
| 400097451 | XXXXX | PITIA | XXX | XXX |  |
| 400097285 | XXXXX | PITIA | XXX | XXX |  |
| 400097360 | XXXXX | PITIA | XXX | XXX |  |
| 400097276 | XXXXX | PITIA | XXX | XXX |  |
| 400097229 | XXXXX | PITIA | XXX | XXX |  |
| 400097573 | XXXXX | PITIA | XXX | XXX |  |
| 400097573 | XXXXX | Qualifying FICO | XXX | XXX |  |
| 400097311 | XXXXX | PITIA | XXX | XXX |  |
| 400103912 | XXXXX | Closing Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 400103986 | XXXXX | PITIA | XXX | XXX |  |
| 400103992 | XXXXX | PITIA | XXX | XXX |  |
| 400103975 | XXXXX | PITIA | XXX | XXX |  |
| 400103966 | XXXXX | PITIA | XXX | XXX |  |
| 400103966 | XXXXX | Qualifying FICO | XXX | XXX |  |
| 400103984 | XXXXX | PITIA | XXX | XXX |  |
| 400103989 | XXXXX | PITIA | XXX | XXX |  |
| 400103990 | XXXXX | PITIA | XXX | XXX |  |
| 400103969 | XXXXX | PITIA | XXX | XXX |  |
| 400103974 | XXXXX | PITIA | XXX | XXX |  |
| 400103979 | XXXXX | PITIA | XXX | XXX |  |
| 400103967 | XXXXX | P&I | XXX | XXX |  |
| 400103967 | XXXXX | PITIA | XXX | XXX |  |
| 400103991 | XXXXX | PITIA | XXX | XXX |  |
| 400103970 | XXXXX | PITIA | XXX | XXX |  |
| 400103977 | XXXXX | P&I | XXX | XXX |  |
| 400103977 | XXXXX | PITIA | XXX | XXX |  |
| 400103921 | XXXXX | Closing Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 400103965 | XXXXX | PITIA | XXX | XXX |  |
| 400103978 | XXXXX | PITIA | XXX | XXX |  |
| 400103973 | XXXXX | PITIA | XXX | XXX |  |
| 400103983 | XXXXX | PITIA | XXX | XXX |  |
| 400103954 | XXXXX | PITIA | XXX | XXX |  |
| 400103962 | XXXXX | PITIA | XXX | XXX |  |
| 400103963 | XXXXX | PITIA | XXX | XXX |  |
| 400103890 | XXXXX | Qualifying FICO | XXX | XXX |  |
| 400103980 | XXXXX | PITIA | XXX | XXX |  |
| 400103971 | XXXXX | PITIA | XXX | XXX |  |
| 400103964 | XXXXX | PITIA | XXX | XXX |  |
| 400103887 | XXXXX | P&I | XXX | XXX |  |
| 400103887 | XXXXX | PITIA | XXX | XXX |  |
| 400103887 | XXXXX | Monthly Insurance | XXX | XXX |  |
| 400103968 | XXXXX | PITIA | XXX | XXX |  |
| 400103879 | XXXXX | PITIA | XXX | XXX |  |
| 400103911 | XXXXX | PITIA | XXX | XXX |  |
| 400103911 | XXXXX | Qualifying FICO | XXX | XXX |  |
| 400103918 | XXXXX | PITIA | XXX | XXX |  |
| 400103876 | XXXXX | PITIA | XXX | XXX |  |
| 400103972 | XXXXX | PITIA | XXX | XXX |  |
| 400103952 | XXXXX | PITIA | XXX | XXX |  |
| 400103957 | XXXXX | P&I | XXX | XXX |  |
| 400103957 | XXXXX | PITIA | XXX | XXX |  |
| 400103987 | XXXXX | PITIA | XXX | XXX |  |
| 400103987 | XXXXX | Qualifying FICO | XXX | XXX |  |
| 400103955 | XXXXX | PITIA | XXX | XXX |  |
| 400103904 | XXXXX | Closing Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 400103904 | XXXXX | Property Type | XXX | XXX |  |
| 400103958 | XXXXX | PITIA | XXX | XXX |  |
| 400103900 | XXXXX | PITIA | XXX | XXX |  |
| 400103953 | XXXXX | PITIA | XXX | XXX |  |
| 400103877 | XXXXX | Closing Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 400103877 | XXXXX | PITIA | XXX | XXX |  |
| 400103981 | XXXXX | P&I | XXX | XXX |  |
| 400103981 | XXXXX | PITIA | XXX | XXX |  |
| 400103880 | XXXXX | PITIA | XXX | XXX |  |
| 400103889 | XXXXX | PITIA | XXX | XXX |  |
| 400103878 | XXXXX | PITIA | XXX | XXX |  |
| 400103881 | XXXXX | P&I | XXX | XXX |  |
| 400103881 | XXXXX | PITIA | XXX | XXX |  |
| 400103881 | XXXXX | Monthly Insurance | XXX | XXX |  |
| 400103907 | XXXXX | PITIA | XXX | XXX |  |
| 400103906 | XXXXX | Closing Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 400103899 | XXXXX | P&I | XXX | XXX |  |
| 400103899 | XXXXX | PITIA | XXX | XXX |  |
| 400103897 | XXXXX | Closing Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 400103888 | XXXXX | Interest Rate | XXX | XXX |  |
| 400103888 | XXXXX | P&I | XXX | XXX |  |
| 400103888 | XXXXX | PITIA | XXX | XXX |  |
| 400103908 | XXXXX | PITIA | XXX | XXX |  |
| 400103883 | XXXXX | PITIA | XXX | XXX |  |
| 400103886 | XXXXX | PITIA | XXX | XXX |  |
| 400103892 | XXXXX | PITIA | XXX | XXX |  |
| 400103922 | XXXXX | PITIA | XXX | XXX |  |
| 400103898 | XXXXX | PITIA | XXX | XXX |  |
| 400103874 | XXXXX | PITIA | XXX | XXX |  |
| 400103893 | XXXXX | PITIA | XXX | XXX |  |
| 400103870 | XXXXX | PITIA | XXX | XXX |  |
| 400103915 | XXXXX | PITIA | XXX | XXX |  |
| 400103895 | XXXXX | PITIA | XXX | XXX |  |
| 400103914 | XXXXX | PITIA | XXX | XXX |  |
| 400103902 | XXXXX | PITIA | XXX | XXX |  |
| 400103896 | XXXXX | PITIA | XXX | XXX |  |
| 400103885 | XXXXX | PITIA | XXX | XXX |  |
| 400103920 | XXXXX | PITIA | XXX | XXX |  |
| 400103875 | XXXXX | PITIA | XXX | XXX |  |
| 400103873 | XXXXX | PITIA | XXX | XXX |  |
| 400103871 | XXXXX | PITIA | XXX | XXX |  |
| 400103903 | XXXXX | PITIA | XXX | XXX |  |
| 400103923 | XXXXX | PITIA | XXX | XXX |  |
| 400103894 | XXXXX | PITIA | XXX | XXX |  |
| 400103882 | XXXXX | PITIA | XXX | XXX |  |
| 400103919 | XXXXX | PITIA | XXX | XXX |  |
| 400097222 | XXXXX | Property City | XXX | XXX | Per Note provided. |
| 400097336 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 400097358 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 400103866 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 400103866 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | per debt calculations |
| 400103942 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 400103939 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per initial loan application |
| 400103939 | XXXXX | Qualifying Total Debt Income Ratio | XXX | XXX | Audit excluded a 30-day account payment, resulting in the lower DTI. |
| 400103928 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Compliance to validate application date. |
| 400103951 | XXXXX | Number of Borrowers | XXX | XXX | Verified by the Note. |
| 400103951 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 400103943 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Application Date confirmed with the Initial 1003 provided. |
| 400103863 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 400103851 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial 1003. |
| 400103843 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Application date is XX/XX/XXXX per initial application. |
| 400103849 | XXXXX | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per initial 1003. |

---

## Exhibit 99.4

**Exhibit 99.4**

![](tm2517341d1_ex99-4img01.jpg)

![](tm2517341d1_ex99-4img02.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

SAN 2025-NQM3

Dated: June 4, 2025

![](tm2517341d1_ex99-4img03.jpg)

![](tm2517341d1_ex99-4img04.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 Santander Bank N.A. (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 5 Loans, 4 Residential Loans and 1 Business Purpose Loan, totaling an aggregate original principal balance of approximately $3,034,500.00. 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. The Review was conducted consistent with the criteria, S&P Global Ratings (S&P), the NRSRO's 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:

---

| | | |
|:---|:---|:---|
| &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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|:---|:---|
| ![](tm2517341d1_ex99-4img06.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

---

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|:---|:---|
| ![](tm2517341d1_ex99-4img06.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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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.

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

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| ![](tm2517341d1_ex99-4img06.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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|:---|:---|
| ![](tm2517341d1_ex99-4img06.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

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Forward Thinking. Seamless Solutions.

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

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

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|:---|:---|
| ![](tm2517341d1_ex99-4img06.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

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![](tm2517341d1_ex99-4img04.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**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

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

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**Property Valuation Results Summary**

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

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**Overall Results Summary**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &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;5 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% |

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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.

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:

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

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

i) confirm current applicable HUD form was provided;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&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> 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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ii) review relevant document to determine if there was dual compensation; and <br> iii) review the presence of the loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

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

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

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

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

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

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

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

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

i) review for presence of loan originator organization and individual loan originator name and NMLSR ID, as applicable, on the credit application, note or loan contract, security instrument, Loan Estimate and Closing Disclosure; and <br> ii) verify the data against the NMLSR database, as available.

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

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

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

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

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

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

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

i) timing and content of the right to receive copy of appraisal disclosure; <br> 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;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

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

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

iii) confirm that certain sections of each LE determined to carry assignee liability 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);

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![](tm2517341d1_ex99-4img04.jpg)

Forward Thinking. Seamless Solutions.

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viii) confirm borrower received LE not later than four (4) business days prior to consummation; and <br> ix) confirm LE was not provided to the borrower on or after the date of the CD.

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

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

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

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

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

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

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

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

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

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![](tm2517341d1_ex99-4img04.jpg)

Forward Thinking. Seamless Solutions.

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**(XIII) Document Review**

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

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

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

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

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|:---|:---|
| ![](tm2517341d1_ex99-4img06.jpg)© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 18 \| P a g e |

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![](tm2517341d1_ex99-4img05.jpg)

**Rating Agency Grades**

**Run Date - 06/04/2025 11:42:17 AM**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1616784 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | D | D | D | D | D A | A | A | A | A | A |
| 1617323 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1620036 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1619917 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1619571 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX C | B | B | B | B | B A C | A | A | A | A | A |

---

![](tm2517341d1_ex99-4img05.jpg)

**Exception Detail**

**Run Date - 06/04/2025 11:42:17 AM**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 1616784 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 7094688 | 108 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  | File is missing images of the XXXX of XXXXX. XXXXXX provide for review. | Information provided |  |  | 04/02/2024 |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 D A | D | A |  | Non-QM | 1 |
| 1617323 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 7095970 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Private XXXXX XXXX not acceptable. XX months cancelled checks or XXXX statements required to verify XX months rent $XXXX/mo. | Credit XXXXXXXXXX provided XXXX from XX/XXXX-X/XXXX no late pays |  | Client 04/18/2024 02:13 PM; Per XX, can you please advise where in the guidelines it indicates that private XXX''s are not acceptable?<br>Reviewer 04/18/2024 03:43 PM; Hello, XXX-XX XXXXXXXXXX X.XX.XXX XXXX page #XXX: XX the borrower is making payments to an individual or interested party, XX months of cancelled checks or XXXX statements must be obtained. <br>Reviewer 04/18/2024 03:43 PM; <br>Client 04/19/2024 03:04 PM; I have uploaded a credit supplement for this. XX this is not sufficient, please advise if an exception can be made to use the credit supplement as proof of rent. <br>Reviewer 04/19/2024 03:58 PM; Condition has been reviewed. XXXXX you<br>| 04/19/2024 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1617323 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 7095971 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Complete XXXXX XXXXXX missing from file. | Initial XXXXX provided contains a score of XXXX. |  | Reviewer 04/18/2024 01:25 PM; There are X high impact alerts on the fraud report received. XXXXXXX documentation or comments to clear these alerts<br>Client 04/18/2024 02:18 PM; Upon delivery, there was a two-page XXXX XXXXXXX that shows the adjusted fraud score is XXXX and indicates that all four variances were cleared. XX this not sufficient to show that the fraud variances were satisfied? <br>Reviewer 04/18/2024 03:44 PM; <br>| 04/18/2024 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1617323 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 7095972 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | X months rent loss coverage missing from file (minimum $XXXXX). | received |  | Reviewer 04/20/2024 11:15 AM; The document received did not include the XXX policy for the subject property with X months rent loss coverage.<br>Client 04/22/2024 01:46 PM; Can you advise why the provided XXX policy is not sufficient? XXX policy states "XXXX of XXXXX" of $XX,XXX, XXXXXX advise.<br>Reviewer 04/22/2024 03:27 PM; <br>| 04/22/2024 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1619571 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7100061 | 327 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | satisfactory evidence of rental history for current primary residence confirming XXXXXXX. if borrower is making payment to an individual, XX months cancelled checks to be obtained. - meeting rental housing payment guidelines. | LOE provided. |  | Client 06/10/2024 01:58 PM; Please note that the borrower lives rent free. XXXX free XXX has been uploaded.<br>Reviewer 06/10/2024 03:13 PM; <br>| 06/10/2024 |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 C A | B | A |  | Non-QM | 1 |
| 1619571 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7100125 | 965 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Contact Information Missing or Incorrect |  | Need a XXXX with the XX XXXXXX (S) email listed on pg X, contact information. | Information provided |  |  | 06/10/2024 |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 C A | B | A |  | Non-QM | 1 |
| 1619917 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7100357 | 897 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Need a XXXX with boxes checked on pages X and X for XXXXXX XXXXXXX, XXXXXXX XXXXXXXX, and XXXXXXXXX XXXXX XXXXXXXXXXX. | Information provided |  |  | 06/17/2024 |  | A | 1 | XXXXXXXXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1619917 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7100460 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Verification of delivery and receipt of the XXXX XXXX XXXX missing from file. XXXX XXXX comprise the following documentation XXXXXXXX mail, XXX-XX, facsimile, or email communication. XXXXXXXX mail, XXX XX, and facsimile must come directly from the employer''''s address. XX email communication must properly identify the XXXXXXX representative. | WVOE (signed by president), XXXX and employer google search provided. |  |  | 06/18/2024 |  | A | 1 | XXXXXXXXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1619917 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7100463 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Verification XXXXXXXX is not employed by a family member or related individual is missing from file. | WVOE (signed by president), XXXX and employer google search provided. |  | Client 06/17/2024 03:31 PM; Can you clarify why this condition exists? XXX guidelines do not state that we need further verification if the employer is the borrower's relative and our XXXX was verified by the president of the borrower's employer and they have different last names. XXXXXX clarify why this condition is active.<br>Reviewer 06/17/2024 04:19 PM; def cleared <br>Reviewer 06/17/2024 04:19 PM; out of scope <br>| 06/18/2024 |  | A | 1 | XXXXXXXXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1619917 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7100465 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Final fully executed XXXX missing from file. | Final XXXX provided. |  |  | 06/17/2024 |  | A | 1 | XXXXXXXXXX | CA | 1 | 13 C A | C | A |  | Non-QM | 1 |
| 1620036 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7100697 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | CD from refinance of XXXXX XXXXXX missing from file. XXXX verify sufficient funds to close and verify new XXXXX. | Per XXX refi transaction did not happen. XXXXXXXXX funds after close of XXXXXXXXXXXX |  | Client 06/25/2024 04:14 PM; per XXXX XXXXXXXXX did not go through with the refi of XXXXXXXXXXXXXXXX XXXXXX shows as declined as borrower did not want to proceed with that loan. <br>XXXX borrower had sufficient funds verified of her own for closing and reserves. XXXXX statements are in file. <br>XXXXX – XXXXXXXXXXXX (included gift of XXXXXXXXX<br> XXXXX – XXXXXXXXXXXX<br> XXXXX XXXXXXXXXXXX <br>XXXXXXX waive condition as refinance fell through.<br>Reviewer 06/25/2024 04:53 PM; Condition has been reviewed. XXXXXX you<br>| 06/25/2024 |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C A | A | A |  | Non-QM | 1 |

---

![](tm2517341d1_ex99-4img05.jpg)

**Valuation Report**

**Run Date - 06/04/2025 11:42:17 AM**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1616784 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1617323 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.2 |
| 1620036 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| 1619917 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1619571 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |

---

![](tm2517341d1_ex99-4img05.jpg)

**Data Compare**

**Run Date - 06/04/2025 11:42:17 AM**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1616784 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1616784 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Product Code | AE30 ALT | AE30ALT | Verified |
| 1617323 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | DSCR |  | 0.590 | Verified |
| 1617323 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | FullDocumentation | Debt Service Coverage | Verified |
| 1617323 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1620036 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1620036 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1620036 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | QM Status | QM | Non-QM |  |
| 1619917 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1619917 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | QM Status | QM | Non-QM |  |
| 1619917 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Qualifying DTI | 0.54611 | 0.54563 | Verified |
| 1619917 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1619571 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Doc Type | FullDocumentation | Alternative Doc | Verified |
| 1619571 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Maturity Date |  | XXXXXXX | Verified |
| 1619571 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Product Code | PG30 ALT | PG30ALT | Verified |

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![](tm2517341d1_ex99-4img05.jpg)

**QM ATR Data**

**Run Date - 06/04/2025 11:42:17 AM**

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 1616784 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $15383.64 | 03/08/2024 | 9.268% | Self-Employed |  | US Citizen |  |  |  | Yes | $13289.27 |
| 1617323 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1620036 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $11239.84 | 05/16/2024 | 9.178% | Self-Employed |  | Permanent Resident Alien |  |  |  | Yes | $91864.38 |
| 1619917 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 05/13/2024 | 8.836% | Employed |  | Permanent Resident Alien |  |  |  | Yes | $7579.33 |
| 1619571 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX |  | No | $0.00 | 05/07/2024 | 10.291% | Self-Employed |  | US Citizen |  |  |  | No |  |

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![](tm2517341d1_ex99-4img05.jpg)

**Business Purpose Data**

**Run Date - 06/04/2025 11:42:17 AM**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 1617323 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXXX |  | 30 Year Fixed Rate DSCR | 20240212 | Debt Service Coverage | Yes | No | $0.00 | $4500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 4500 | 0.59 | 0.59 | $7663.75 |  |  |  | No |  |  | NO | $0.00 | $1328.12 | $217.50 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 35 | 10 | Permanent Resident Alien |  | 748 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  |  | Full |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | 20240322 | 20240301 | $1250000.00 | 1 | 1942 | 3296 | 4 | 3 | C3 | XXXXXXXXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |

---

## Exhibit 99.5

**Exhibit 99.5**

![](tm2517341d1_ex99-5img001.jpg)

**EXECUTIVE SUMMARY**

**SAN 2025-NQM3**

**By Clarifii LLC on June 04, 2025**

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](tm2517341d1_ex99-5img001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 113 Loans (the "Loans") originated by a correspondent lender and acquired by Santander Bank N.A. (SBNA) (the "Client") for the SAN 2025-NQM3 transaction. The Loans referenced in this narrative report were reviewed between 05/2024 to 03/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;8 | &nbsp;&nbsp;7.08% | &nbsp;&nbsp;$3812248.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;105 | &nbsp;&nbsp;92.92% | &nbsp;&nbsp;$45333687.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**113** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$49145935.00** |

---

The Review consisted of a population of 113 Loans, with an aggregate principal balance of $49,145,935.00.

**CLARIFII'S** **THIRD PARTY REVIEW (TPR) SCOPE OF WORK**

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency loan level review standards in place as of the date of the review.

**LOAN** **SAMPLING**

The Clients defined the sample size and requested Clarifii to perform a random sample of the Loans to be included in the Review. To Clarifii's knowledge, the Review covered 100% of the transaction Loan population.

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](tm2517341d1_ex99-5img001.jpg)

The Review was conducted consistent with the criteria for the Nationally Recognized Statistical Rating Organizations ("NRSROs") specified below:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp; Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025 |

---

**DATA** **INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Monthly Property Tax Amount |
| &nbsp;&nbsp;Mortgage Insurance Flag |
| &nbsp;&nbsp;Note Date |

---

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

![](tm2517341d1_ex99-5img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraisal Date |
| &nbsp;&nbsp;Primary Appraisal Type |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |

---

**CREDIT** **UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

![](tm2517341d1_ex99-5img001.jpg)

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

![](tm2517341d1_ex99-5img001.jpg)

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

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

- Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower name variations

- Occupancy

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

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

- Employment

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

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

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

OFAC

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

![](tm2517341d1_ex99-5img001.jpg)

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

**COMPLIANCE REVIEW**

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

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

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

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

![](tm2517341d1_ex99-5img001.jpg)

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

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

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

![](tm2517341d1_ex99-5img001.jpg)

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 9

![](tm2517341d1_ex99-5img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 10

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 11

![](tm2517341d1_ex99-5img001.jpg)

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the Loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO** **REPAY (ATR)**

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

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 12

![](tm2517341d1_ex99-5img001.jpg)

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

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

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

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

**VALUATION** **REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** <br> Clarifii checked for the presence of the appraiser's license and reviewed for the presence of
any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

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

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

**INDEPENDENT** **THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 13

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files<br> – No Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or<br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10%<br> of OA or Acceptable UCDP<br> Risk Score \*** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;65 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;45 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |

---

**DUE** **DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 14

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**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 15

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**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;89 | &nbsp;&nbsp;78.76% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;24 | &nbsp;&nbsp;21.24% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**113** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;95 | &nbsp;&nbsp;84.07% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;15.93% |
| &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;**113** | &nbsp;&nbsp;**100.00%** |

---

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

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**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;110 | &nbsp;&nbsp;97.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.65% |
| &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;**113** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;110 | &nbsp;&nbsp;97.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.65% |
| &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;**113** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL** **LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;113 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$49145935.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**113** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$49145935.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;42 | &nbsp;&nbsp;37.17% | &nbsp;&nbsp;$21784996.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;8 | &nbsp;&nbsp;7.08% | &nbsp;&nbsp;$3451326.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;63 | &nbsp;&nbsp;55.75% | &nbsp;&nbsp;$23909613.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**113** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$49145935.00** |

---

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;60 | &nbsp;&nbsp;53.10% | &nbsp;&nbsp;$25081004.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;53 | &nbsp;&nbsp;46.90% | &nbsp;&nbsp;$24064931.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**113** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$49145935.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;113 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$49145935.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**113** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$49145935.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.88% | &nbsp;&nbsp;$250000.00 |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;6 | &nbsp;&nbsp;5.31% | &nbsp;&nbsp;$4864794.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;106 | &nbsp;&nbsp;93.81% | &nbsp;&nbsp;$44031141.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**113** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$49145935.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy<br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;112 | &nbsp;&nbsp;98.21% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;112 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;110 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;4 | &nbsp;&nbsp;108 | &nbsp;&nbsp;96.30% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;22 | &nbsp;&nbsp;106 | &nbsp;&nbsp;79.25% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;11 | &nbsp;&nbsp;48 | &nbsp;&nbsp;77.08% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;107 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;106 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;69 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;112 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;109 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;107 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;112 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;113 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;107 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;107 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;106 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Mortgage Insurance Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;106 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;108 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;109 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;99 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;64 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraisal Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Primary Appraisal Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;112 | &nbsp;&nbsp;99.11% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;112 | &nbsp;&nbsp;98.21% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;112 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;83 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;105 | &nbsp;&nbsp;92.38% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;112 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;106 | &nbsp;&nbsp;97.17% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;112 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;108 | &nbsp;&nbsp;98.15% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;109 | &nbsp;&nbsp;97.25% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;112 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;10 | &nbsp;&nbsp;112 | &nbsp;&nbsp;91.07% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;33 | &nbsp;&nbsp;106 | &nbsp;&nbsp;68.87% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;16 | &nbsp;&nbsp;106 | &nbsp;&nbsp;84.91% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;52 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;113 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |

---

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

![](tm2517341d1_ex99-5img001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

 

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

 

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

 

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

 

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

SAN 2025-NQM3 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 301378 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 321539 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 335386 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16120 | 7.724 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11205.67 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 341791 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 345989 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 392683 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 392687 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 20069 | 7.721 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 14118.04 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 412052 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 438356 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 446379 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| XXXX | 446383 | XXXX | XXXX | 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 | Yes | Yes | 15319.7 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 448610 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 12419 | 7.419 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2801.7 | Yes | Employed |  | No |  | No |  |
| XXXX | 468766 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5136.5 | 7.564 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7735.17 | Yes | Employed |  | No |  | No |  |
| XXXX | 468769 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 19328.38 | 9.362 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 54198.01 | Yes | Employed |  | No |  | No |  |
| XXXX | 470213 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 470215 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 10274 | 8.234 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5689.55 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 470216 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 4931.65 | 8.564 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 19523.68 | Yes | Employed |  | No |  | No |  |
| XXXX | 470218 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 470219 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2144 | 8.364 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12442.15 | N/A | Employed |  | No |  | No |  |
| XXXX | 471049 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 4072.52 | 8.318 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | No | Yes | Yes | 3556.54 | Yes | Employed |  | No |  | No |  |
| XXXX | 471051 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 10804.28 | 8.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10291.4 | Yes | Employed |  | No |  | No |  |
| XXXX | 471052 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 4297.75 | 11.011 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3683.58 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 472321 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 15875 | 9.572 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6920.04 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 501842 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9194 | 7.596 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18727.01 | Yes | Employed |  | No |  | No |  |
| XXXX | 501843 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 501844 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | 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 | 16231.92 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 501845 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 13593.25 | 8.413 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 3338.92 | Yes | Retired | Retired | No | No | No |  |
| XXXX | 501846 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 501847 | XXXX | XXXX | 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 |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 501848 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 10384.5 | 9.601 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 22479.38 | Yes | Employed |  | No |  | No |  |
| XXXX | 501849 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 461453.7 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 503339 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 503340 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 12637 | 10.149 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6896.11 | Yes | Employed |  | No |  | No |  |
| XXXX | 503341 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13358 | 8.068 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29271.55 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 503342 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6964 | 8.118 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6578.06 | Yes | Employed |  | No |  | No |  |
| XXXX | 503343 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 504150 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 5612.75 | 7.644 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2220.93 | Yes | Employed |  | No |  | No |  |
| XXXX | 504151 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4734 | 7.842 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 4599.72 | Yes | Employed |  | No |  | No |  |
| XXXX | 504152 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 504154 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9991.5 | 7.428 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 9883.91 | Yes | Employed |  | No |  | No |  |
| XXXX | 504155 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 17763.76 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 506089 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 506090 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 506091 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 506092 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 506093 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 14404 | 8.882 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 3747.06 | Yes | Employed |  | No |  | No |  |
| XXXX | 507321 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9737.75 | 9.287 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4861.26 | Yes | Employed |  | No |  | No |  |
| XXXX | 507322 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1694 | 7.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37430.77 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 507323 | XXXX | XXXX | 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 |
| XXXX | 507324 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13627.52 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 507325 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 507678 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 10975.25 | 8.334 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12318.37 | Yes | Employed |  | No |  | No |  |
| XXXX | 507679 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 507680 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 507681 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 507682 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8394 | 7.941 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21469.96 | Yes | Employed |  | No |  | No |  |
| XXXX | 509253 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 12512 | 9.769 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | N/A | Yes | 21648.87 | Yes | Employed |  | No |  | No |  |
| XXXX | 509254 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 509255 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 509256 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 509257 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 509258 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 509259 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 33002.75 | 9.254 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21099.94 | N/A | Employed |  | No |  | No |  |
| XXXX | 509260 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16694 | 7.482 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25625.66 | Yes | Employed |  | No |  | No |  |
| XXXX | 509338 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 510562 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 510563 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12631.5 | 7.858 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7508.12 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 510564 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 5817.44 | 9.533 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3644.47 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 510565 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 12944 | 8.638 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25855.26 | Yes | Employed |  | No |  | No |  |
| XXXX | 510566 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 510567 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20504 | 8.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 54345.65 | Yes | Employed |  | No |  | No |  |
| XXXX | 510568 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 510569 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16694 | 7.277 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14632.31 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 510570 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 16971.5 | 8.7 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 63005.73 | Yes | Employed |  | No |  | No |  |
| XXXX | 512172 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 512173 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 512174 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 512175 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 512176 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 19193.38 | 8.302 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10067.49 | N/A | Employed |  | No |  | No |  |
| XXXX | 512177 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 67168.11 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 512178 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 512543 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 17678 | 8.692 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13753.28 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 513094 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 21589.32 | 8.663 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22956.33 | Yes | Employed |  | No |  | No |  |
| XXXX | 513095 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 513096 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 513097 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 16819 | 7.713 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 40864.04 | Yes | Employed |  | No |  | No |  |
| XXXX | 513098 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 513099 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 6317.75 | 9.012 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3934.75 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 514266 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 514267 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 514268 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 514269 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 514270 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11370.59 | 7.985 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 66187.09 | Yes | Employed |  | No |  | No |  |
| XXXX | 514271 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 24168.46 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 514272 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 514273 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 9104.94 | 10.365 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24399.78 | Yes | Employed |  | No |  | No |  |
| XXXX | 514274 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 35827.86 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 516357 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 516358 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 516359 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11301.5 | 9.109 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25607.01 | Yes | Employed |  | No |  | No |  |
| XXXX | 516360 | XXXX | XXXX | 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 |
| XXXX | 516361 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 10769 | 9.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10419.48 | Yes | Employed |  | No |  | No |  |
| XXXX | 516362 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 516363 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 26344 | 8.656 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5969.43 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 516364 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 516365 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 516366 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 516367 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | Yes | Yes | No | No | No | Yes | No | No | No | No | No | 34139 | 9.227 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20455.2 | Yes | Employed |  | No |  | No |  |
| XXXX | 516368 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 13034 | 10.036 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13610.45 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 516369 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 10965.13 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 553211 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6367.5 | 7.117 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8568.18 | Yes | Employed |  | No |  | No |  |
| XXXX | 553298 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11595 | 7.533 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18513.97 | Yes | Employed |  | No |  | No |  |
| XXXX | 558860 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9625 | 7.292 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3980.18 | N/A | Employed |  | No |  | No |  |

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 301378 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3900 | Appraisal - 1007 |  | N/A |  |  | 3900 | Appraisal - 1007 | No | 127.73 | 0.783 | 0.783 | 4981.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.75 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 321539 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5600 | Appraisal - 1007 | 5191.83 | Other | 1 |  | 5600 | Appraisal - 1007 | No | 101.98 | 0.95 | 0.981 | 5710.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 5600 |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 106.56 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 341791 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5250 | 3750 | Appraisal - 1007 |  | N/A |  |  | 5250 | Actual In Place Rent | No | 91.33 | 0.78 | 1.095 | 4794.61 | 5250 | 05-01-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 5250 |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 0.62 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 345989 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1007 |  | N/A |  |  | 3200 | Appraisal - 1007 | No | 131.99 | 0.758 | 0.758 | 4223.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 0 |  |  | 3200 | 0 | 0 | 0 | 0 | 0 | 0 |  | No | 0 | 1 | 1 | N/A | 9.01 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 392683 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 62.16 | 1.6 | 1.609 | 1864.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3000 |  |  |  |  |  |  |  | No | 17.1 | 1 | 1 | N/A | 9.29 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 412052 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4400 | 2800 | Appraisal - 1007 |  | N/A |  |  | 4400 | Actual In Place Rent | No | 86.76 | 1.15 | 1.153 | 3817.58 | 4400 | 09-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 4400 |  |  |  |  |  |  |  | No | 3 | 1 | 1 | N/A | 14.77 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 438356 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1900 | 1550 | Appraisal - 1007 |  | N/A |  |  | 1550 | Appraisal - 1007 | No | 90.03 | 1.11 | 1.111 | 1395.46 | 1900 | 10-31-2024 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 1550 |  |  |  |  |  |  |  | No | 1.1 | 1 | 1 | N/A | 1.54 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 446379 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2050 | Appraisal - 1007 |  | N/A |  |  | 2050 | Appraisal - 1007 | No | 91.14 | 1.09 | 1.097 | 1868.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2050 |  |  |  |  |  |  |  | No | 2.6 | 1 | 1 | N/A | 112.27 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 446383 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4700 | Appraisal - 1007 |  | N/A |  |  | 4700 | Appraisal - 1007 | No | 139.55 | 0 | 0 | 6559.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.69 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 470213 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 87.97 | 1.13 | 1.137 | 2199.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | 3 | 1 | 1 | N/A | 9.36 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 470218 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1250 | Appraisal - 1007 |  | N/A |  |  | 1250 | Appraisal - 1007 | No | 82.88 | 1.2 | 1.207 | 1035.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1250 |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 17.12 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 501843 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 99.9 | 1 | 1.001 | 2297.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2300 |  |  |  |  |  |  |  | No | 1.3 | 1 | 1 | N/A | 83.67 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 501844 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3800 | Appraisal - 1007 |  | N/A |  |  | 3800 | Appraisal - 1007 | No | 150.95 | 0 | 0 | 5736.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.44 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 501846 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1875 | Appraisal - 1007 |  | N/A |  |  | 1875 | Appraisal - 1007 | No | 67.76 | 1.47 | 1.476 | 1270.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1875 |  |  |  |  |  |  |  | No | 5.7 | 1 | 1 | N/A | 117.63 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 501847 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  | N/A |  |  | 1750 | Appraisal - 1007 | No | 67.68 | 1.47 | 1.477 | 1184.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | 0 | 1750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 134.72 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 501849 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  |  | Actual In Place Rent | No |  | 0 | 0 | 3449.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 106.7 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 503339 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3286 | 2250 | Appraisal - 1007 |  | N/A |  |  | 3286 | Actual In Place Rent | No | 75.42 | 1.32 | 1.326 | 2478.15 | 3286 | 10-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | 96884.18 | 3286 |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 15.94 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 503343 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1150 | Appraisal - 1007 |  | N/A |  |  | 1150 | Appraisal - 1007 | No | 94.06 | 1.06 | 1.063 | 1081.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1150 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 127.86 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 504152 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 59.78 | 1.67 | 1.673 | 1494.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | 0 | 2500 |  |  |  |  |  |  |  | No | 17.5 | 1 | 1 | N/A | 2.5 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 504155 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 7604 | Appraisal - 1007 | 7604 | Other | 1 |  | 7604 | Other | Yes | 50.41 | 0 | 0 | 3833.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 7604 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 33.99 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 506089 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 9750 | Appraisal - 1025 |  | N/A |  |  | 9750 | Appraisal - 1025 | No | 80.78 | 1.23 | 1.238 | 7876.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 9750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 62.07 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 506090 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 94.06 | 1.06 | 1.063 | 2163.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.33 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 506091 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2721 | Appraisal - 1007 |  | N/A |  |  | 2721 | Appraisal - 1007 | No | 107.18 | 0.93 | 0.933 | 2916.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2721 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.61 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 506092 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1600 | Appraisal - 1007 | No | 56.15 | 1.78 | 1.781 | 898.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 99.22 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 507323 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3350 | Appraisal - 1007 |  | N/A |  |  | 3350 | Appraisal - 1007 | No | 119.63 | 0.83 | 0.836 | 4007.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3350 |  |  |  |  |  |  |  | No | 15.2 | 1 | 1 | N/A | 63.27 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 507324 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2900 | Appraisal - 1007 | No | 145.79 | 0 | 0 | 4227.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX | 0 | 2900 |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 3.09 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 507325 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4370 | Appraisal - 1007 |  | N/A |  |  | 4370 | Appraisal - 1007 | No | 96.83 | 1.03 | 1.033 | 4231.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 4370 |  |  |  |  |  |  |  | No | 26.5 | 1 | 1 | N/A | 106.76 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 507679 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1790 | Appraisal - 1007 |  | N/A |  |  | 1790 | Appraisal - 1007 | No | 88.97 | 1.12 | 1.124 | 1592.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX | 0 | 1790 |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 351.07 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 507680 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 36000 | Appraisal - 1025 | 28800 | Other | 1 |  | 28800 | Other | Yes | 45.29 | 2.21 | 2.208 | 13043.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 28800 |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 51.04 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 507681 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  | N/A |  |  | 1700 | Appraisal - 1007 | No | 99.24 | 1 | 1.008 | 1687.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1700 |  |  |  |  |  |  |  | No | 5.2 | 1 | 1 | N/A | 34.2 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 509254 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 10000 | 6200 | Appraisal - 1007 |  | N/A |  |  | 10000 | Actual In Place Rent | No | 64.08 | 1.56 | 1.561 | 6407.88 | 10000 | 12-15-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 10000 |  |  |  |  |  |  |  | No | 5.5 | 1 | 1 | N/A | 117.77 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 509255 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 79.13 | 1.26 | 1.264 | 1582.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 34.26 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 509256 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 79.13 | 1.26 | 1.264 | 1582.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 34.32 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 509257 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3250 | Appraisal - 1007 |  | N/A |  |  | 3250 | Appraisal - 1007 | No | 128.39 | 0.77 | 0.779 | 4172.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3250 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 45.36 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 509258 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2050 | Appraisal - 1007 |  | N/A |  |  | 2050 | Appraisal - 1007 | No | 99.46 | 1 | 1.005 | 2038.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2050 |  |  |  |  |  |  |  | No | 9.7 | 1 | 1 | N/A | 51.97 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 509338 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1025 |  | N/A |  |  | 2500 | Appraisal - 1025 | No | 93.62 | 1.06 | 1.068 | 2340.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | 2.8 | 2 | 1 | N/A | 16.78 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 510562 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4300 | Appraisal - 1007 |  | N/A |  |  | 4300 | Appraisal - 1007 | No | 84.65 | 1.18 | 1.181 | 3639.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 4300 |  |  |  |  |  |  |  | No | 16.8 | 1 | 1 | N/A | 52.23 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 510566 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3200 | 1950 | Appraisal - 1007 |  | N/A |  |  | 3200 | Actual In Place Rent | No | 99.03 | 1 | 1.01 | 3168.87 | 3200 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3200 |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 56.98 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 510568 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1850 | Appraisal - 1007 |  | N/A |  |  | 1850 | Appraisal - 1007 | No | 99.33 | 1 | 1.007 | 1837.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1850 |  |  |  |  |  |  |  | No | 0.3 | 1 | 1 | N/A | 44.84 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 512172 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3700 | 2800 | Appraisal - 1007 |  | N/A |  |  | 3700 | Actual In Place Rent | No | 91.79 | 1.08 | 1.089 | 3396.37 | 3700 | 01-24-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3700 |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 10.67 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 512173 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5400 | Appraisal - 1025 |  | N/A |  |  | 5400 | Appraisal - 1025 | No | 110.87 | 0.9 | 0.902 | 5986.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 5400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 48.53 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 512174 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5400 | Appraisal - 1025 |  | N/A |  |  | 5400 | Appraisal - 1025 | No | 69.27 | 1.36 | 1.444 | 3740.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 5400 |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 11.36 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 512175 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1350 | Appraisal - 1007 |  | N/A |  |  | 1350 | Appraisal - 1007 | No | 81.7 | 1.22 | 1.224 | 1102.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 1350 |  |  |  |  |  |  |  | No | 2.7 | 1 | 1 | N/A | 77.57 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 512177 | XXXX | XXXX | XXXX | 24 Month Bank Statement | Present | No | 0 | 15200 | Appraisal - 1025 |  | N/A |  |  | 15200 | Appraisal - 1025 | No | 107.99 | 0 | 0 | 16415.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | 0 | 15200 |  |  |  |  |  |  |  | No | 4.5 | 1 | 1 | N/A | 33.01 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 512178 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1850 | Appraisal - 1007 |  | N/A |  |  | 1850 | Appraisal - 1007 | No | 79.89 | 1.25 | 1.252 | 1477.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX | 62350 | 1850 |  |  |  |  |  |  |  | No | 0.4 | 1 | 1 | N/A | 125.4 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 513095 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2050 | Appraisal - 1007 |  | N/A |  |  | 2050 | Appraisal - 1007 | No | 92.43 | 1.08 | 1.082 | 1894.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2050 |  |  |  |  |  |  |  | No | 29.2 | 1 | 1 | N/A | 109.25 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 513096 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1025 |  | N/A |  |  | 3600 | Appraisal - 1025 | No | 58.01 | 1.72 | 1.724 | 2088.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 145.71 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 513098 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1025 |  | N/A |  |  | 2200 | Appraisal - 1025 | No | 71.53 | 1.39 | 1.398 | 1573.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2200 |  |  |  |  |  |  |  | No | 9.6 | 1 | 1 | N/A | 50.18 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 514266 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1007 |  | N/A |  |  | 3200 | Appraisal - 1007 | No | 63.13 | 1.58 | 1.584 | 2020.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 3200 |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 26.5 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 514267 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5150 | Appraisal - 1025 |  | N/A |  |  | 5150 | Appraisal - 1025 | No | 61.03 | 1.63 | 1.639 | 3143 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 5150 |  |  |  |  |  |  |  | No | 4.6 | 1 | 1 | N/A | 46.39 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 514268 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2128 | Appraisal - 1007 |  | N/A |  |  | 2128 | Appraisal - 1007 | No | 125.34 | 0.79 | 0.798 | 2667.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2128 |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 41.87 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 514269 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2315 | Appraisal - 1007 |  | N/A |  |  | 2315 | Appraisal - 1007 | No | 125.37 | 0.79 | 0.798 | 2902.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2315 |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 46.22 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 514271 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 9350 | Appraisal - 1007 |  | N/A |  |  | 9350 | Appraisal - 1007 | No | 122.74 | 0 | 0 | 11475.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 9350 |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 26.64 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 514272 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7484 | Appraisal - 1007 | 5987.2 | Other | 1 |  | 5987.2 | Other | Yes | 71.99 | 1.38 | 1.389 | 4310.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 5987.2 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.24 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 514274 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 216.69 | 0 | 0 | 7150.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.74 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 516357 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Appraisal - 1025 |  | N/A |  |  | 3800 | Appraisal - 1025 | No | 59.96 | 1.66 | 1.668 | 2278.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 19.47 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 516358 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2350 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 112.99 | 1.03 | 0.885 | 2259.8 | 2350 | 01-24-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0.4 | 1 | 1 | N/A | 15.12 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 516360 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1025 |  | N/A |  |  | 2500 | Appraisal - 1025 | No | 86.23 | 1.15 | 1.16 | 2155.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 60.08 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 516362 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 92.37 | 1.08 | 1.083 | 1385.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 1500 |  |  |  |  |  |  |  | No | 0.3 | 1 | 1 | N/A | 26.99 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 516364 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1575 | Appraisal - 1007 |  | N/A |  |  | 1575 | Appraisal - 1007 | No | 154.43 | 0.64 | 0.648 | 2432.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1575 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 90.26 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 516365 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2680 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 117.94 | 0.84 | 0.848 | 2594.66 | 2680 | 07-01-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2200 |  |  |  |  |  |  |  | No | 13.4 | 1 | 1 | N/A | 47.91 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 516366 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Appraisal - 1007 | No | 94.5 | 1.05 | 1.058 | 4252.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 4500 |  |  |  |  |  |  |  | No | 3.5 | 1 | 1 | N/A | 92.96 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 516369 | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No | 0 | 1750 | Appraisal - 1007 |  | N/A |  |  |  | Actual In Place Rent | No |  | 0 | 0 | 1685.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 6.1 | 1 | 1 | N/A | 2.08 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 321539 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5710.87 | 5510.89 | Qualifying payment include PITIA, HOA payment. |
| XXXX | 321539 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.981 | 0.95 | STR income per 1007 /PITIA |
| XXXX | 335386 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 53.74 | 46.04 | Audit verified all debts per credit and additional REO stmt. and pension excluded - Client approved and max per guides is 55% |
| XXXX | 341791 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.095 | 0.78 | Lease Amount/PITI. lender exception provided to use higher amount. |
| XXXX | 392683 | XXXX | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | closing statement missing. Funds to close noted from closing estimate page 557, closing date and disbursement date from net funding worksheet page 207. |
| XXXX | 392687 | XXXX | XXXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 412052 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX | 412052 | XXXX | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX | 438356 | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | per note and DOT |
| XXXX | 438356 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 1.54 | 3.00 | Assets verified per statements in file and borrower ownership % per CPA letter. |
| XXXX | 446379 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | See Settlement Statement |
| XXXX | 446379 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1868.46 | 1868.48 | Per taxes and insurance doc in file. |
| XXXX | 446383 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 10.69 | 61.00 | per verified assets |
| XXXX | 446383 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 6559.01 | 6095.02 | With HOA included. |
| XXXX | 448610 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2910.3 | 2868.65 | Lender's calculation missing HOA dues |
| XXXX | 468766 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 28.57 | 30.00 | Verified assets per bank statements and proceeds from sale of home. |
| XXXX | 468769 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final CD |
| XXXX | 468769 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 752 | 762 | Per credit report |
| XXXX | 470215 | XXXX | XXXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXXX | XXXX | Per PCCD. |
| XXXX | 470215 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4693.63 | 4626.96 | XXXX |
| XXXX | 470218 | XXXX | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX | 470218 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX | 470219 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 18.62 | 17.00 | From verified assets |
| XXXX | 470219 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2139.48 | 2266.36 | Verified PITIA |
| XXXX | 470219 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.19 | 34.61 | Audited income is less than lender's |
| XXXX | 471049 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1528.46 | 948.47 | Payment only includes PITIA; missing HOA and Flood in the calculation. |
| XXXX | 471051 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Cash disbursement date confirmed on Final CD, page 225 |
| XXXX | 471052 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1816.09 | 1470.10 | HOA was considered buy audit. |
| XXXX | 472321 | XXXX | XXXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXXX | XXXX | Per Final Cd, tape value include mortgage that was paid off. |
| XXXX | 501844 | XXXX | XXXX | Qualifying Amortization Term | notePage | 0 | 480 | Per Note |
| XXXX | 501844 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX | 501844 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 23.44 | 27.00 | See verified assets |
| XXXX | 501844 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.11 | 28.73 | Lender PITIA used on primary does not match primary mtg stmnt; Lender did not qualify borrower w/negative rental income on 3A property |
| XXXX | 503340 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 14.71 | 7.00 | assets match final 1003 in file |
| XXXX | 503340 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5317.01 | 5277.02 | XXXX |
| XXXX | 503341 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 13.49 | 15.00 | Audit verified reserves |
| XXXX | 503343 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1081.68 | 866.68 | Audit includes monthly HOA, tape does not reflect Monthly HOA. |
| XXXX | 504150 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| XXXX | 504150 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 504150 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1978.07 | 1932.25 | XXXX |
| XXXX | 506090 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per Appraisal |
| XXXX | 506093 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 506093 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 8.84 | 31.00 | Per assets / Final 1003 reflects gifted counted twice. |
| XXXX | 507322 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 9536.02 | 9446.03 | XXXX |
| XXXX | 507323 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | 507324 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.64 | 48.81 | PITIA+other debts+other reo loss/ Income. |
| XXXX | 507324 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 12.9 | 15.22 | PITIA+other debts+other reo loss/ Income. |
| XXXX | 507324 | XXXX | XXXX | Cash out Include Debt Paid at Close | closingDetailsCreditOnlyPage | XXXX | XXXX | Per CD |
| XXXX | 507325 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| XXXX | 507325 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4231.45 | 4026.46 | Tape does not include HOA fee |
| XXXX | 507680 | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per NOte |
| XXXX | 507680 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 13043.07 | 13027.40 | Flood insurance premium is higher |
| XXXX | 507682 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 507682 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5131.73 | 4308.74 | XXXX |
| XXXX | 509254 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement |
| XXXX | 509254 | XXXX | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement |
| XXXX | 509255 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD. |
| XXXX | 509255 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1582.61 | 1488.62 | XXXX |
| XXXX | 509256 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 509256 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1582.61 | 1488.62 | XXXX |
| XXXX | 509257 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | per title |
| XXXX | 509257 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4172.53 | 4022.53 | PITIA include monthly HOA |
| XXXX | 509259 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 10313.06 | 10188.07 | Per Verified Taxes and Ins. HOA dues not included on tape |
| XXXX | 509260 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 6845.8 | 6541.48 | tape doesn't include hoa fee |
| XXXX | 510563 | XXXX | XXXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 510563 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 31.08 | 25.82 | Audit taxes, hoi and hoa all higher than lenders 1003, no 1008 provided. |
| XXXX | 510563 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.85 | 35.08 | Audit removed B2 income as not docs provided, no 1008 in file. |
| XXXX | 510565 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.83 | 31.65 | Lender did not include alimony or child support obligations |
| XXXX | 510566 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Stmt |
| XXXX | 510568 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per settlement |
| XXXX | 510570 | XXXX | XXXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXXX | XXXX | Per settlement statement |
| XXXX | 510570 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.2 | 22.37 | Lender did not include 2nd home in DTI |
| XXXX | 512172 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3396.37 | 3136.37 | XXXX |
| XXXX | 512173 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 48.53 | 49.00 | XXXX |
| XXXX | 512174 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.444 | 1.36 | Audit used market rents, appears lender used leases in place but none were provided in the borrower file. |
| XXXX | 512176 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 512176 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 512176 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4341.14 | 4216.14 | Audit includes HOA, tape data does not include HOA fee |
| XXXX | 512177 | XXXX | XXXX | Qualifying Amortization Term | notePage | 0 | 480 | From note |
| XXXX | 512177 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | From settlement statement |
| XXXX | 512177 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 33.01 | 36.00 | From verified assets |
| XXXX | 513094 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title |
| XXXX | 513094 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 20.09 | 12.00 | Assets verified per Audit |
| XXXX | 513094 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3664.71 | 3654.71 | Audit confirmed PITIA is correct |
| XXXX | 513094 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.59 | 21.55 | Audit income and debts virtually match lenders figures. Lender did have higher HOA figure by $20/mos |
| XXXX | 513099 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per title |
| XXXX | 513099 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3039.38 | 2999.36 | XXXX |
| XXXX | 514266 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2020.17 | 1495.18 | Audit includes HOA, tape does not reflect HOA monthly payment. |
| XXXX | 514267 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final CD |
| XXXX | 514267 | XXXX | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | per final CD |
| XXXX | 514268 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2667.32 | 2626.07 | Auditor confirmed higher PITIA with HOA payment. |
| XXXX | 514270 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3684.52 | 3594.52 | tape doesn't include $90 HOA fee |
| XXXX | 514271 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.61 | 42.98 | REO calculation variance. |
| XXXX | 514272 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per Appraisal |
| XXXX | 514272 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 735 | 749 | XXXX |
| XXXX | 514273 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final cd |
| XXXX | 514274 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final Settlement |
| XXXX | 514274 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 7150.8 | 5584.81 | Audit includes HOA, Tape does not include the HOA |
| XXXX | 514274 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 23.74 | 9.00 | Per Assets provided. |
| XXXX | 516358 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.885 | 1.03 | Market Rent/PITI Tape Data unknown |
| XXXX | 516359 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4014.93 | 3564.92 | XXXX |
| XXXX | 516359 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 27.85 | 33.00 | Per bank statement |
| XXXX | 516360 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 60.08 | 13.00 | XXXX |
| XXXX | 516363 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 516363 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4998.99 | 4943.00 | XXXX |
| XXXX | 516363 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 11.14 | 26.00 | Appears gift funds were used to qualify reserves per lenders guide gifts aren't to be used to qualify reserves |
| XXXX | 516364 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | property is an end unit- semi detached |
| XXXX | 516365 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final settlemet |
| XXXX | 516365 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2594.66 | 2319.66 | per final 1003 |
| XXXX | 516367 | XXXX | XXXX | Qualifying Amortization Term | notePage | 360 | 480 | 40 year Per Note in File |
| XXXX | 516367 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 13847.08 | 12707.96 | Using start rate at fully amortized payment |
| XXXX | 516367 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.58 | 41.25 | Auditor calculated higher total REO payment than lenders approval. |
| XXXX | 516367 | XXXX | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 36.84 | 40.97 | Start rate differs |
| XXXX | 516368 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 6.34 | 15.00 | Auditor Verified total assets |
| XXXX | 516369 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1685.77 | 1527.10 | Per Start Rate at Fully Amortized Payment. |
| XXXX | 553211 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 553298 | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | 553298 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 558860 | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | 558860 | XXXX | XXXX | Primary Appraisal Type | propertyValuationPage | 1025 Small Residential Income Report | 1004 URAR | 1025 in file. |
| XXXX | 558860 | XXXX | XXXX | Primary Appraisal Date | propertyValuationPage | XXXX | XXXX | Appraisal in file supports. |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 301378 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 321539 | XXXX D B A C | Closed | FPRO0008 | 2024-06-10 13:19 | 2024-07-17 13:49 | Waived | 2 - Non-Material C B | Property | Property | Condo Project Warrantable is Unable to Determine | Waived--Per client appraisal was transferred and appraiser corrections are not able to be made on behalf of client. Appraiser does make commentary regarding the property being short term rental and questionnaire unit count utilized in diligence review. Subject questionnaire reflect subject is a PUD however appraisal form type is on 1073. It appears subject is a detached condo. Client waiver applied to appraisal for difference in unit count and error made in occupancy checked by appraiser. Appraisal appears correct on 1073 or 1004 form type as subject is a site condo. - Due Diligence Vendor-05/21/2025 <br> Counter-Please provide an updated Appraisal reflecting the occupancy of the subject and update the commercial space. In addition the property type needs to be confirmed. Finding remains. - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Please see the attached we get the information off the HOA Questionnaire not the appraisal Report as in terms of the units and condo is warrantable based on the information I received from HOA. 2nd homes are O/O. Please clear the condition. - Due Diligence Vendor-05/21/2025 <br> Open-The Condo Project Warrantability is Unable to Determined. - Appraisal in file completed as a Condo and condo form 1073. Does not match Questionnaire that reflects Project is a PUD. Also, Appraisal reflects owner occupancy when subject property is a STR property. Appraisal confirm subject property is a 2 story detached single family house. <br> - Appraisal reflects 100 units and no rental and project complete. However, Condo questionnaire reflects total units XXXX,of which XXXX lots remaining. Does not match Appraisal as subject property purchased on XXXX and is a STR property. - Due Diligence Vendor-05/21/2025 |  | Waived--Per client appraisal was transferred and appraiser corrections are not able to be made on behalf of client. Appraiser does make commentary regarding the property being short term rental and questionnaire unit count utilized in diligence review. Subject questionnaire reflect subject is a PUD however appraisal form type is on 1073. It appears subject is a detached condo. Client waiver applied to appraisal for difference in unit count and error made in occupancy checked by appraiser. Appraisal appears correct on 1073 or 1004 form type as subject is a site condo. - Due Diligence Vendor-05/21/2025<br>| LTV is less than guideline maximum - LTV 50% is less than guideline maximum 60%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 736 is at least 20 points above minimum for program 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 1810821 |
| XXXX | 321539 | XXXX D B A C | Closed | FCOM1351 | 2024-06-10 13:09 | 2024-06-13 15:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Guaranty provided. - Due Diligence Vendor-06/13/2024 <br> Ready for Review-Document Uploaded. XXXX Please see the attached Personal Guaranty's. Please clear the condition. - Seller-06/11/2024 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Per guides If the borrower is a XXXX, all parties owning at least 25% of the entity must sign a Personal Guarantee as well as any party submitting an application for the loan. - Due Diligence Vendor-06/10/2024 | Ready for Review-Document Uploaded. XXXX Please see the attached Personal Guaranty's. Please clear the condition. - Seller-06/11/2024 | Resolved-The Guaranty Agreement Doc is Present or Not Applicable. - Guaranty provided. - Due Diligence Vendor-06/13/2024<br>| LTV is less than guideline maximum - LTV 50% is less than guideline maximum 60%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 736 is at least 20 points above minimum for program 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 1810723 |
| XXXX | 321539 | XXXX D B A C | Closed | FCRE8201 | 2024-06-10 13:47 | 2024-06-13 15:10 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Per XXXX is eligible. - Due Diligence Vendor-06/13/2024 <br> Ready for Review-Document Uploaded. ease see the attached GL where we are allowed to do business purpose loan in this state of XXXX. Please clear the condition. - Seller-06/11/2024 <br> Open-Subject property located in XXXX. Guides does not allow business purpose loan in this state. - Due Diligence Vendor-06/10/2024 | Ready for Review-Document Uploaded. ease see the attached GL where we are allowed to do business purpose loan in this state of XXXX. Please clear the condition. - Seller-06/11/2024 | Resolved-Per XXXX matrix XXXX is eligible. - Due Diligence Vendor-06/13/2024 | LTV is less than guideline maximum - LTV 50% is less than guideline maximum 60%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 736 is at least 20 points above minimum for program 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 1811049 |
| XXXX | 335386 | XXXX D B A C | Closed | FCRE5783 | 2024-06-27 16:47 | 2024-07-01 15:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDN for CB; finding resolved - Due Diligence Vendor-01/08/2025 <br> Ready for Review-Document Uploaded. For some reason the UDN only shows the borrower, but is ran with both borrowers, it is joint report and you can see from the file XXXX it matches the UDN report and show both are being monitored. - Seller-06/28/2024 <br> Open-Borrower 2 Gap Credit Report is Missing ; Missing Gap Credit for B2. - Due Diligence Vendor-06/27/2024 | Ready for Review-Document Uploaded. For some reason the UDN only shows the borrower, but is ran with both borrowers, it is joint report and you can see from the file XXXX it matches the UDN report and show both are being monitored. - Seller-06/28/2024 | Resolved-Received UDN for XXXX; finding resolved - Due Diligence Vendor-01/08/2025 | LTV is less than guideline maximum - Qualifying LTV 51.923%; max 75%<br>Months Reserves exceed minimum required - Qualifying reserves 76.67 months; minimum required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 735; minimum required 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 1900230 |
| XXXX | 335386 | XXXX D B A C | Closed | FCRE8611 | 2024-06-27 16:34 | 2024-07-01 13:56 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Upon further review, pension income excluded and DTI remains < 55% max; finding resolved. - Due Diligence Vendor-01/08/2025 <br>Ready for Review-If we remove the pension income our DTI is still below 55% at 53.29% - Seller-07/01/2024 <br>Counter-Bank statement for Social Security income provided. Please provide documentation to support the Pension Income for borrower 3b. - Due Diligence Vendor-07/01/2024 <br>Ready for Review-Document Uploaded. Proof of receipt - Seller-06/28/2024 <br>Open-Missing evidence of receipt of pension income or pension letter for B3. - Due Diligence Vendor-06/27/2024 | Ready for Review-If we remove the pension income our DTI is still below 55% at 53.29% - Seller-07/01/2024 <br>Ready for Review-Document Uploaded. Proof of receipt - Seller-06/28/2024<br>| Resolved-Upon further review, pension income excluded and DTI remains < 55% max; finding resolved. - Due Diligence Vendor-01/08/2025<br>| LTV is less than guideline maximum - Qualifying LTV 51.923%; max 75%<br>Months Reserves exceed minimum required - Qualifying reserves 76.67 months; minimum required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 735; minimum required 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 1900139 |
| XXXX | 335386 | XXXX D B A C | Closed | FCRE1193 | 2024-06-27 17:11 | 2024-07-01 13:55 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon further review max allowed DTI is 55%; overlay requirements met. Finding resolved. - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Escalated to figure out the diff - Seller-06/28/2024 <br>Open-Audited DTI of 50.72% exceeds Guideline DTI of 50% . - Due Diligence Vendor-06/27/2024 | Ready for Review-Escalated to figure out the diff - Seller-06/28/2024<br>| Resolved-Upon further review max allowed DTI is 55%; overlay requirements met. Finding resolved. - Due Diligence Vendor-01/08/2025<br>| LTV is less than guideline maximum - Qualifying LTV 51.923%; max 75%<br>Months Reserves exceed minimum required - Qualifying reserves 76.67 months; minimum required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 735; minimum required 660 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 1900430 |
| XXXX | 335386 | XXXX D B A C | Closed | FPRO1253 | 2024-06-27 15:44 | 2024-07-01 11:59 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-SSR with a CU score of 1.4 provided. - Due Diligence Vendor-07/01/2024 <br>Ready for Review-Document Uploaded. - Seller-06/27/2024 <br>Open-Provide acceptable appraisal review product to support appraised value within allowed tolerance. - Due Diligence Vendor-06/27/2024 | Ready for Review-Document Uploaded. - Seller-06/27/2024<br>| Resolved-SSR with a CU score of 1.4 provided. - Due Diligence Vendor-07/01/2024<br>| LTV is less than guideline maximum - Qualifying LTV 51.923%; max 75%<br>Months Reserves exceed minimum required - Qualifying reserves 76.67 months; minimum required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 735; minimum required 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 1899732 |
| XXXX | 335386 | XXXX D B A C | Closed | finding-3625 | 2024-06-27 13:44 | 2024-07-01 10:13 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD XXXX with correction and LOE to borrower. - Due Diligence Vendor-07/01/2024 <br> Ready for Review-Document Uploaded. The PCCD was sent via XXXX - Seller-06/28/2024 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----(UDN Fee) in section B is payable to Lender, however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. <br> - Due Diligence Vendor-06/27/2024 | Ready for Review-Document Uploaded. The PCCD was sent via XXXX - Seller-06/28/2024 | Resolved-Received PCCD XXXX with correction and LOE to borrower. - Due Diligence Vendor-07/01/2024 | LTV is less than guideline maximum - Qualifying LTV 51.923%; max 75%<br>Months Reserves exceed minimum required - Qualifying reserves 76.67 months; minimum required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 735; minimum required 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 1898487 |
| XXXX | 335386 | XXXX D B A C | Closed | FCOM3605 | 2024-06-27 13:57 | 2024-07-01 10:12 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received initial CD 6/11/2024 e-signed by borrower same day. - Due Diligence Vendor-07/01/2024 <br>Ready for Review-Document Uploaded. - Seller-06/28/2024 <br>Open--Missing initial CD and acknowledgement of receipt by borrower a minimum of 3 days prior to consummation - Due Diligence Vendor-06/27/2024 | Ready for Review-Document Uploaded. - Seller-06/28/2024<br>| Resolved-Received initial CD XXXX e-signed by borrower same day. - Due Diligence Vendor-07/01/2024 | LTV is less than guideline maximum - Qualifying LTV 51.923%; max 75%<br>Months Reserves exceed minimum required - Qualifying reserves 76.67 months; minimum required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 735; minimum required 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 1898602 |
| XXXX | 335386 | XXXX D B A C | Closed | FCOM1301 | 2024-06-27 13:27 | 2024-06-27 13:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/27/2024 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-06/27/2024<br>| LTV is less than guideline maximum - Qualifying LTV 51.923%; max 75%<br>Months Reserves exceed minimum required - Qualifying reserves 76.67 months; minimum required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 735; minimum required 660 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 1898313 |
| XXXX | 341791 | XXXX C B A | Closed | FCRE1198 | 2024-07-11 12:19 | 2025-05-21 08:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-05/21/2025 <br>Open-Audited Reserves of 0.21 month(s) are less than Guideline Required Reserves of 5 month(s) DSCR < 1, 5 months reserves required, per guides. Originator exception request form is in file with comp factor, - Due Diligence Vendor-05/21/2025 |  | Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-05/21/2025<br>| LTV is less than guideline maximum - 64.95% LTV is below max of 75%<br>Qualifying FICO score is at least 20 points above minimum for program - 801 score exceeds min of 660. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 1969862 |
| XXXX | 341791 | XXXX C B A | Closed | FCRE6763 | 2025-03-26 10:36 | 2025-03-26 10:39 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Originator waiver applied to non material finding with compensating factors - Due Diligence Vendor-03/26/2025 <br>Open-Actual Rents can be used in place of Market Rents with lease agreement showing ≥6 months remaining on lease and evidence of receipt of 3 most recent months' rent. - Due Diligence Vendor-03/26/2025 |  | Waived-Originator waiver applied to non material finding with compensating factors - Due Diligence Vendor-03/26/2025<br>| LTV is less than guideline maximum - 64.95% LTV is below max of 75%<br>Qualifying FICO score is at least 20 points above minimum for program - 801 score exceeds min of 660. | 65 LTV<br> 801 fico score<br> >100 months of reserves. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 3698181 |
| XXXX | 345989 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 392683 | XXXX B A | Closed | FCRE1440 | 2024-09-11 14:46 | 2025-05-21 08:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted, waiver applied with comp factors. - Due Diligence Vendor-05/21/2025 <br>Open-Housing History Does Not Meet Guideline Requirements \*\* Lender Exception Subject property has a rolling 6x30 late payments - Due Diligence Vendor-05/21/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum Fico is 620, borrower has a fico of 714<br>Months Reserves exceed minimum required - 9.29 month reserves exceeds requirement of 0 | 714 Fico, 620 required. 9 months reserves, no reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | N/A | 2354935 |
| XXXX | 392687 | XXXX D B A | Closed | FCRE1440 | 2024-09-24 13:34 | 2024-09-24 13:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-2nd Mortgage matured/ballooned XXXX<br> - Client provided lender exception- Waiver applied to non-material finding with compensating factors - Due Diligence Vendor-09/24/2024 |  | Waived-2nd Mortgage matured/ballooned XXXX<br> - Client provided lender exception- Waiver applied to non-material finding with compensating factors - Due Diligence Vendor-09/24/2024 | Qualifying FICO score is at least 20 points above minimum for program - Score is 675 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 38.81% and max allowed is 75% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 2446158 |
| XXXX | 392687 | XXXX D B A | Closed | FCRE7806 | 2024-09-12 10:38 | 2024-09-23 16:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-09/17/2024 <br>Ready for Review-Document Uploaded. Please find the income worksheet for review. - Seller-09/16/2024 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing income worksheet for Borrower #1. - Due Diligence Vendor-09/12/2024 | Ready for Review-Document Uploaded. Please find the income worksheet for review. - Seller-09/16/2024<br>| Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-09/17/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 675 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 38.81% and max allowed is 75% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2360703 |
| XXXX | 392687 | XXXX D B A | Closed | FCRE1328 | 2024-09-12 10:38 | 2024-09-23 16:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-09/23/2024 <br>Ready for Review-Document Uploaded. Please find the w2 attached. - Seller-09/19/2024 <br>Counter-2023 W-2 was not located in the loan file. Please provide 1 year W-2 - Due Diligence Vendor-09/19/2024 <br>Ready for Review-This loan is a 12 mo business bank stmt and 1 year full doc loan, 2 years of w2's are not required please clear findings. - Seller-09/17/2024 <br>Open-Borrower 1 W2/1099 Missing Missing 2 years W2 forms. - Due Diligence Vendor-09/12/2024 | Ready for Review-Document Uploaded. Please find the w2 attached. - Seller-09/19/2024 <br>Ready for Review-This loan is a 12 mo business bank stmt and 1 year full doc loan, 2 years of w2's are not required please clear findings. - Seller-09/17/2024<br>| Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-09/23/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 675 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 38.81% and max allowed is 75% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2360702 |
| XXXX | 392687 | XXXX D B A | Closed | FCRE3978 | 2024-09-12 11:31 | 2024-09-19 09:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-LOE provided. - Due Diligence Vendor-09/19/2024 <br> Ready for Review-The account was lined up with the date opened and high credit on the credit report vs the gap credit. please clear findings. - Seller-09/17/2024 <br> Open-Provide credit statement for XXXX that is being paid off on the CD, in addition provide explanation for the variance on the account number XXXX and Gap report reflects XXXX for this account being paid off. - Due Diligence Vendor-09/12/2024 | Ready for Review-The account was lined up with the date opened and high credit on the credit report vs the gap credit. please clear findings. - Seller-09/17/2024<br>| Resolved-LOE provided. - Due Diligence Vendor-09/19/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 675 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 38.81% and max allowed is 75% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2361452 |
| XXXX | 392687 | XXXX D B A | Closed | FCRE1510 | 2024-09-13 09:15 | 2024-09-17 15:49 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - DOT w/ legal provided. - Due Diligence Vendor-09/17/2024 <br>Ready for Review-Document Uploaded. please see DOT with legal - Seller-09/16/2024 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A - Legal Description - Due Diligence Vendor-09/13/2024 | Ready for Review-Document Uploaded. please see DOT with legal - Seller-09/16/2024<br>| Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - DOT w/ legal provided. - Due Diligence Vendor-09/17/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 675 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 38.81% and max allowed is 75% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2368458 |
| XXXX | 392687 | XXXX D B A | Closed | FCRE1159 | 2024-09-12 09:17 | 2024-09-17 15:46 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-09/17/2024 <br> Ready for Review-Document Uploaded. please find the corrected haz ins. - Seller-09/16/2024 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX and Disbursement date of XXXX - Due Diligence Vendor-09/13/2024 | Ready for Review-Document Uploaded. please find the corrected haz ins. - Seller-09/16/2024<br>| Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-09/17/2024 | Qualifying FICO score is at least 20 points above minimum for program - Score is 675 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 38.81% and max allowed is 75% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 2359785 |
| XXXX | 412052 | XXXX D B A | Closed | FPRO0012 | 2024-10-07 14:35 | 2025-05-21 08:18 | Waived | 2 - Non-Material B | Property | Property | FEMA disaster declared PUBLIC ONLY | Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-05/21/2025 <br> Open-1. XXXX<br> Incident Period: XXXX and continuing<br> 2. XXXX<br> Incident Period: XXXX and continuing - Due Diligence Vendor-10/07/2024 |  | Waived-Originator waiver applied to non material finding with comp factors. - Due Diligence Vendor-05/21/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - 1.153.<br>Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 14.77 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 2544165 |
| XXXX | 412052 | XXXX D B A | Closed | FCOM1352 | 2024-10-07 13:54 | 2024-10-09 16:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-10/09/2024 <br>Ready for Review-Document Uploaded. please find the biz affidavit for review. - Seller-10/08/2024 <br>Open-The Business Purpose Affidavit Disclosure is Missing Signed Business Purpose Affidavit is missing. Copy in file is not signed. - Due Diligence Vendor-10/07/2024 | Ready for Review-Document Uploaded. please find the biz affidavit for review. - Seller-10/08/2024<br>| Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-10/09/2024<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - 1.153.<br>Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 14.77 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 2543714 |
| XXXX | 438356 | XXXX C B A | Closed | FCRE1198 | 2024-11-15 11:23 | 2024-11-21 16:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver, applied to non material finding with comp factors - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. Please find exception with added comp factor. - Seller-11/19/2024 <br> Counter-Lender exception approval provided, however we are not able to waive without a valid compensation factor. Years on the Job is not valid for a DSCR loan. - Due Diligence Vendor-11/19/2024 <br> Ready for Review-Document Uploaded. Please find the Credit Exception for review. - Seller-11/18/2024 <br> Open-Audited Reserves of 1.54 month(s) are less than Guideline Required Reserves of 3 month(s) Per CPA letter in the file asset account XXXX was limited to XXXXto use for closing and reserves. - Due Diligence Vendor-11/15/2024 | Ready for Review-Document Uploaded. Please find exception with added comp factor. - Seller-11/19/2024 <br>Ready for Review-Document Uploaded. Please find the Credit Exception for review. - Seller-11/18/2024<br>| Waived-Originator provided a waiver, applied to non material finding with comp factors - Due Diligence Vendor-05/21/2025<br>| Long term residence - borrower lived at primary fro 9 years.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Qualifying DSCR 1.111; minimum required 0.750 | - 0x30 payments | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 2820216 |
| XXXX | 446379 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 446383 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 448610 | XXXX D B A | Closed | FCRE1193 | 2024-11-22 16:43 | 2024-12-05 14:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator provided a waiver, applied to non material finding with comp factors - Due Diligence Vendor-12/05/2024 <br>Ready for Review-Document Uploaded. Credit exception for DTI has been uploaded, please clear condition. - Seller-12/05/2024 <br>Counter-Audited DTI of 51.16% exceeds Guideline DTI of 50%. Excluded timeshare (DTI is still short). - Due Diligence Vendor-12/04/2024 <br>Ready for Review-Document Uploaded. The timeshare is paid by the business, uploaded a copy of the 6 months bank statements to confirm. Please clear condition. - Seller-12/03/2024 <br>Open-Audited DTI of 54.81% exceeds Guideline DTI of 50% Missing an approved exception for DTI exceeding 50%. Lender omitted timeshare obligation per Final 1003 with no supporting documentation for the omission. - Due Diligence Vendor-11/22/2024 | Ready for Review-Document Uploaded. Credit exception for DTI has been uploaded, please clear condition. - Seller-12/05/2024 <br>Ready for Review-Document Uploaded. The timeshare is paid by the business, uploaded a copy of the 6 months bank statements to confirm. Please clear condition. - Seller-12/03/2024<br>| Waived-Originator provided a waiver, applied to non material finding with comp factors - Due Diligence Vendor-12/05/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 700, borrower FICO is 791<br>LTV is less than guideline maximum - Lender max LTV is 90% per FICO, subject LTV is 75% | 791 FiCO<br> 10 years on the Job<br> 0x30x27 months | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | Originator Post-Close | No | 2870976 |
| XXXX | 448610 | XXXX D B A | Closed | FCRE5116 | 2024-11-22 17:54 | 2024-12-04 17:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR) provided. - Due Diligence Vendor-12/04/2024 <br>Ready for Review-Document Uploaded. A copy of the LOE advise borrower lives rent free and previous rental history has been uploaded, please clear condition. - Seller-12/03/2024 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing evidence borrower has no current housing expense AND prior VOR for prior residence (totaling 12 months) - Due Diligence Vendor-11/22/2024 | Ready for Review-Document Uploaded. A copy of the LOE advise borrower lives rent free and previous rental history has been uploaded, please clear condition. - Seller-12/03/2024<br>| Resolved-Verification of Rent (VOR) provided. - Due Diligence Vendor-12/04/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO is 700, borrower FICO is 791<br>LTV is less than guideline maximum - Lender max LTV is 90% per FICO, subject LTV is 75% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 2871483 |
| XXXX | 468766 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 468769 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 470213 | XXXX D A | Closed | FCRE0700 | 2024-12-16 08:59 | 2024-12-31 15:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Settlement Statement. - Due Diligence Vendor-12/31/2024 <br>Ready for Review-Document Uploaded. please find udpated SS with date on it. - Seller-12/30/2024 <br>Counter-Settlement statement provide does not have a Settlement date or a disbursement date. Provide a revised statement. - Due Diligence Vendor-12/19/2024 <br>Ready for Review-Document Uploaded. Please find the final SS for review. - Seller-12/18/2024 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Verified closing statement in file not dated - Due Diligence Vendor-12/17/2024 | Ready for Review-Document Uploaded. please find udpated SS with date on it. - Seller-12/30/2024 <br>Ready for Review-Document Uploaded. Please find the final SS for review. - Seller-12/18/2024<br>| Resolved-Received Settlement Statement. - Due Diligence Vendor-12/31/2024<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.13<br>LTV is less than guideline maximum - Client qualified up to 70% LTV |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3010638 |
| XXXX | 470215 | XXXX D B A C | Closed | finding-3652 | 2024-12-15 11:19 | 2025-01-13 10:27 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Received PCCD 1/10/2025, copy of XXXX label, LOE and copy of check - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Refund has been processed and sent to the borrower. A copy of the fed-ex label, LOE, check and PCCD has been uploaded. Please clear condition. - Seller-01/10/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. <br> Statute of Limitations 3 years. Expiration date XXXX- Due Diligence Vendor-12/15/2024 | Ready for Review-Refund has been processed and sent to the borrower. A copy of the XXXX label, LOE, check and PCCD has been uploaded. Please clear condition. - Seller-01/10/2025 | Cured-Received PCCD XXXX, copy of XXXX label, LOE and copy of check - Due Diligence Vendor-05/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 600, Bwr FICO 686<br>Months Reserves exceed minimum required - 17 mths reserves; 6 mths required. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3008462 |
| XXXX | 470215 | XXXX D B A C | Closed | finding-3634 | 2024-12-13 16:19 | 2025-01-13 10:26 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD XXXX, copy of XXXX label, LOE and copy of check - Due Diligence Vendor-01/13/2025 <br> Ready for Review-Document Uploaded. Refund has been processed and sent to the borrower. A copy of the fed-ex label, LOE, check and PCCD has been uploaded. Please clear condition. - Seller-01/10/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX (Intangible Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. <br>Statute of Limitations 3 years. Expiration date 12/3/2027<br> - Due Diligence Vendor-12/13/2024 | Ready for Review-Document Uploaded. Refund has been processed and sent to the borrower. A copy of the XXXX label, LOE, check and PCCD has been uploaded. Please clear condition. - Seller-01/10/2025 | Cured-Received PCCD XXXX, copy of XXXX label, LOE and copy of check - Due Diligence Vendor-01/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 600, Bwr FICO 686<br>Months Reserves exceed minimum required - 17 mths reserves; 6 mths required. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3005543 |
| XXXX | 470215 | XXXX D B A C | Closed | FCRE6019 | 2024-12-13 14:36 | 2024-12-26 17:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Resident Alien Card. - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Per card the County of Birth (COB) is XXXX which is XXXX, please clear condition. - Seller-12/24/2024 <br> Counter-Resident Alien Card provided. Please provide the documentation to support the country of origin. - Due Diligence Vendor-12/23/2024 <br> Ready for Review-Document Uploaded. A copy of the resident alien card for B2 has been uploaded, please clear condition. - Seller-12/19/2024 <br> Open-Borrower Citizenship Documentation Is Missing Missing Cit Docs for B2 - Due Diligence Vendor-12/18/2024 | Ready for Review-Per card the County of Birth (COB) is XXXX which is XXXX, please clear condition. - Seller-12/24/2024 <br> Ready for Review-Document Uploaded. A copy of the resident alien card for B2 has been uploaded, please clear condition. - Seller-12/19/2024 | Resolved-Received Resident Alien Card. - Due Diligence Vendor-12/26/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 600, Bwr FICO 686<br>Months Reserves exceed minimum required - 17 mths reserves; 6 mths required. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3004525 |
| XXXX | 470216 | XXXX C A | Closed | finding-3532 | 2024-12-16 13:58 | 2024-12-27 10:47 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Rec'd proof of receipt. - Due Diligence Vendor-12/27/2024 <br> Ready for Review-Document Uploaded. A copy of the CD issued XXXX and confirmation of receipt have been uploaded, please clear condition. - Seller-12/26/2024 <br> Counter-Received LE XXXX. Provide evidence that Initial Closing Disclosure issued XXXX was received a minimum of three business days prior to consummation. - Due Diligence Vendor-12/22/2024 <br> Ready for Review-Document Uploaded. A copy of the LE issued XXXX along with proof of receipt has been uploaded, please clear condition. - Seller-12/19/2024 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ...Provide evidence that Initial Closing Disclosure was received a minimum of three business days prior to consummation. Statue of Limitations 3 years - Expiration date is XXXX - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. A copy of the CD issued XXXX and confirmation of receipt have been uploaded, please clear condition. - Seller-12/26/2024 <br> Ready for Review-Document Uploaded. A copy of the LE issued XXXX along with proof of receipt has been uploaded, please clear condition. - Seller-12/19/2024 | Resolved-Rec'd proof of receipt. - Due Diligence Vendor-12/27/2024<br>| Months Reserves exceed minimum required - Client has over 16 mos reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Client has a 730 credit score |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3015162 |
| XXXX | 470218 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 470219 | XXXX C A | Closed | FCRE1194 | 2024-12-19 08:19 | 2024-12-23 15:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Rereviewed appraisal, meets lenders guidelines. - Due Diligence Vendor-12/23/2024 <br> Ready for Review-Per XXXX guidelines, XXXX makes the determination of whether a property is considered rural or not, taking multiple factors into consideration. This property is located XXXX minutes from the XXXX which provides all normal urban amenities (shopping, dining, entertainment), per appraisal the neighborhood is 25%-75% built up, and also has public electricity. Given these characteristics, XXXX determined that this property is not rural per our guidelines. The LTV limit of 75% does not apply. Please clear finding. - Seller-12/20/2024 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Max 75% LTV for rural properties - Due Diligence Vendor-12/19/2024 | Ready for Review-Per XXXX guidelines, XXXX makes the determination of whether a property is considered rural or not, taking multiple factors into consideration. This property is located 14 minutes from the XXXX which provides all normal urban amenities (shopping, dining, entertainment), per appraisal the neighborhood is 25%-75% built up, and also has public electricity. Given these characteristics, XXXX determined that this property is not rural per our guidelines. The LTV limit of 75% does not apply. Please clear finding. - Seller-12/20/2024 | Resolved-Rereviewed appraisal, meets lenders guidelines. - Due Diligence Vendor-12/23/2024<br>| On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 64 months<br>Months Reserves exceed minimum required - Verified assets of 18.62 months reserves exceed the minimum required of 6 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3041793 |
| XXXX | 471049 | XXXX D A | Closed | FCRE1181 | 2024-12-19 15:42 | 2025-01-10 09:48 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received Notice of Flood - Due Diligence Vendor-12/23/2024 <br>Ready for Review-Document Uploaded. Please find the flood disclosure. - Seller-12/20/2024 <br>Open-Subject Property is in Flood Zone AE but Notice of Special Flood Hazard Disclosure was not provided. Not executed by borrower. - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. Please find the flood disclosure. - Seller-12/20/2024<br>| Resolved-Received Notice of Flood - Due Diligence Vendor-12/23/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 798 Qualifying FICO score is at least 20 points above minimum for program of 660.<br>Months Reserves exceed minimum required - 27.75 Months Reserves exceed minimum required of 6 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3048535 |
| XXXX | 471049 | XXXX D A | Closed | FCRE1164 | 2024-12-19 15:42 | 2025-01-10 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received Flood Policy - Due Diligence Vendor-01/10/2025 <br>Ready for Review-This is not required per guidelines, the borrower has no personal flood insurance to upload for review. master policy covers for flood. please clear findings. borrower qualifies without the mistaken payment - Seller-12/30/2024 <br>Counter-Loan was approved with Flood Insurance premium included in the DTI. - Due Diligence Vendor-12/26/2024 <br>Ready for Review-What exactly are you looking for on this? The Condo Association covers the flood for this which was provided? - Seller-12/24/2024 <br>Counter-Master Flood policy, however the loan was qualified with the borrowers supplemental Flood Insurance. - Due Diligence Vendor-12/23/2024 <br>Ready for Review-Document Uploaded. Master flood ins uploaded for review. - Seller-12/20/2024 <br>Open-Missing Flood Insurance Policy - Due Diligence Vendor-12/19/2024 | Ready for Review-This is not required per guidelines, the borrower has no personal flood insurance to upload for review. master policy covers for flood. please clear findings. borrower qualifies without the mistaken payment - Seller-12/30/2024 <br>Ready for Review-What exactly are you looking for on this? The Condo Association covers the flood for this which was provided? - Seller-12/24/2024 <br>Ready for Review-Document Uploaded. Master flood ins uploaded for review. - Seller-12/20/2024<br>| Resolved-Received Flood Policy - Due Diligence Vendor-01/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 798 Qualifying FICO score is at least 20 points above minimum for program of 660.<br>Months Reserves exceed minimum required - 27.75 Months Reserves exceed minimum required of 6 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3048534 |
| XXXX | 471049 | XXXX D A | Closed | FCRE1506 | 2024-12-19 16:49 | 2024-12-23 16:14 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Credit findings have been cleared. - Due Diligence Vendor-12/23/2024 <br>Ready for Review-agree with assessment. - Seller-12/20/2024 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Credit finding - Due Diligence Vendor-12/19/2024 | Ready for Review-agree with assessment. - Seller-12/20/2024<br>| Resolved-Credit findings have been cleared. - Due Diligence Vendor-12/23/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 798 Qualifying FICO score is at least 20 points above minimum for program of 660.<br>Months Reserves exceed minimum required - 27.75 Months Reserves exceed minimum required of 6 months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3049372 |
| XXXX | 471049 | XXXX D A | Closed | FPRO1255 | 2024-12-19 15:39 | 2024-12-23 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire - Due Diligence Vendor-12/23/2024 <br>Ready for Review-Document Uploaded. Please find the HOA questionnaire for review - Seller-12/20/2024 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. Please find the HOA questionnaire for review - Seller-12/20/2024<br>| Resolved-Received HOA Questionnaire - Due Diligence Vendor-12/23/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 798 Qualifying FICO score is at least 20 points above minimum for program of 660.<br>Months Reserves exceed minimum required - 27.75 Months Reserves exceed minimum required of 6 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3048483 |
| XXXX | 471049 | XXXX D A | Closed | FCRE5116 | 2024-12-19 15:58 | 2024-12-23 16:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received VOR and Payment history - Due Diligence Vendor-12/23/2024 <br>Ready for Review-Document Uploaded. Private landlord, VOR and the payment proof per guidelines. - Seller-12/20/2024 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Only lease provided without payment history. - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. Private landlord, VOR and the payment proof per guidelines. - Seller-12/20/2024<br>| Resolved-Received VOR and Payment history - Due Diligence Vendor-12/23/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 798 Qualifying FICO score is at least 20 points above minimum for program of 660.<br>Months Reserves exceed minimum required - 27.75 Months Reserves exceed minimum required of 6 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3048749 |
| XXXX | 471049 | XXXX D A | Closed | FCRE1726 | 2024-12-19 15:24 | 2024-12-23 15:58 | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-I-797 and I 94 provided., - Due Diligence Vendor-12/23/2024 <br> Ready for Review-Document Uploaded. Borrower was a conditional resident due to marriage and put in application to renew and change status to full green card which is pending and confirmed this on USCIS. Borrower has the XXXX and XXXX and XXXX supporting as well, Management has reviewed and has determined that we can use the XXXX and XXXX in conjunction with expired card as new extended date is on form - Seller-12/20/2024 <br> Open-Potential Identity Issues identified in the file. Borrower submitted an expired Permanent Resident card with the file. Documentation shows borrower is a non-perm resident alien. Documentation to show most up to date residency is required as there is a distinction between Permanent Residence and Non-Perm Resident for qualification purposes. - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. Borrower was a conditional resident due to marriage and put in application to renew and change status to full green card which is pending and confirmed this on XXXX. Borrower has the XXXX and XXXX and XXXX supporting as well, Management has reviewed and has determined that we can use the XXXX and XXXX in conjunction with expired card as new extended date is on form - Seller-12/20/2024 | Resolved-I-797 and I 94 provided., - Due Diligence Vendor-12/23/2024<br>| Qualifying FICO score is at least 20 points above minimum for program - 798 Qualifying FICO score is at least 20 points above minimum for program of 660.<br>Months Reserves exceed minimum required - 27.75 Months Reserves exceed minimum required of 6 months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3048266 |
| XXXX | 471051 | XXXX C B A | Closed | FCRE1505 | 2024-12-20 09:49 | 2024-12-20 09:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Waived-Originator waiver in file- Originator Waiver applied to non-material finding with compensating factors - Due Diligence Vendor-12/20/2024 <br>Open-Does not meet 3 tradeline w/12 month history requirement only 2 accounts meet guidelines, VOR 0x30- credit exception provided - Due Diligence Vendor-12/20/2024 |  | Waived-Originator waiver in file- Originator Waiver applied to non-material finding with compensating factors - Due Diligence Vendor-12/20/2024<br>| Months Reserves exceed minimum required - 13.41 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 709, minimum 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3053634 |
| XXXX | 471052 | XXXX D A C | Closed | FPRO1255 | 2024-12-19 11:40 | 2024-12-23 14:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire - Due Diligence Vendor-12/23/2024 <br>Ready for Review-Document Uploaded. HOA questionnaire has been uploaded, please clear condition. - Seller-12/20/2024 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. HOA questionnaire has been uploaded, please clear condition. - Seller-12/20/2024<br>| Resolved-Received HOA Questionnaire - Due Diligence Vendor-12/23/2024<br>| Long term residence - Home ownership exceeds 10 yrs. <br>Months Reserves exceed minimum required - 17.12 months PITIA reserves; 0 months reserves required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3044638 |
| XXXX | 471052 | XXXX D A C | Closed | FPRO0008 | 2024-12-19 11:40 | 2024-12-23 14:57 | Resolved | 1 - Information C A | Property | Property | Condo Project Warrantable is Unable to Determine | Resolved-Received HOA questionnaire. - Due Diligence Vendor-12/23/2024 <br>Ready for Review-Document Uploaded. HOA questionnaire has been uploaded, please clear condition. - Seller-12/20/2024 <br>Open-The Condo Project Warrantability is Unable to Determined. Missing Condo Questionnaire - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. HOA questionnaire has been uploaded, please clear condition. - Seller-12/20/2024<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-12/23/2024<br>| Long term residence - Home ownership exceeds 10 yrs. <br>Months Reserves exceed minimum required - 17.12 months PITIA reserves; 0 months reserves required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3044639 |
| XXXX | 472321 | XXXX C A | Closed | FCRE0025 | 2024-12-17 22:24 | 2024-12-31 15:48 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Resolved-Received LOE, the lawsuit was for the Chapter 7 filing. - Due Diligence Vendor-12/31/2024 <br>Ready for Review-Document Uploaded. The law suit the borrower was referring to was handled through the bankruptcy, please see attached LOE. Please clear condition. - Seller-12/30/2024 <br>Open-Borrower is party to a lawsuit according to the 1003 declarations. - Due Diligence Vendor-12/18/2024 | Ready for Review-Document Uploaded. The law suit the borrower was referring to was handled through the bankruptcy, please see attached LOE. Please clear condition. - Seller-12/30/2024<br>| Resolved-Received LOE, the lawsuit was for the Chapter 7 filing. - Due Diligence Vendor-12/31/2024<br>| Months Reserves exceed minimum required - 12.21 months PITIA reserves; 0 months reserves required.<br>LTV is less than guideline maximum - LTV 70% max permitted 75%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3028688 |
| XXXX | 501842 | XXXX C B A | Closed | FCRE1278 | 2025-01-24 09:17 | 2025-01-29 16:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Originator provided a waiver for impounds, applied to non material finding with comp factors - Due Diligence Vendor-01/29/2025 <br>Ready for Review-Document Uploaded. please find the exception for escrow waivers. - Seller-01/28/2025 <br>Open-Taxes/Insurance Impounds are required for all loans. Subject loan does not include escrow.<br> - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. please find the exception for escrow waivers. - Seller-01/28/2025<br>| Waived-Originator provided a waiver for impounds, applied to non material finding with comp factors - Due Diligence Vendor-01/29/2025<br>| LTV is less than guideline maximum - Max LTV 70% / Subject LTV 32.26%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 600 / Borrower FICO 753 | 13.5% DTI<br> 32% LTV<br> 753 FICO | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3274802 |
| XXXX | 501843 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 501844 | XXXX D A | Closed | FCRE0044 | 2025-02-05 16:13 | 2025-02-13 13:58 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received executed LOX for inquiries-no additional liabilities. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. please find the updated LOX for inquires. - Seller-02/12/2025 <br> Counter-Received LOE for the credit report inquiries. Please provide an LOE for the inquiries on XXXX and XXXX reporting on the credit report. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. Letter attached that was in file, addresses the only inq dated XXXX all from super funding corp on the same date. please clear findings. - Seller-02/07/2025 <br> Open-LOX for credit inquiries is missing. Missing LOE for inquires reflected on the Gap report. - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. please find the updated LOX for inquires. - Seller-02/12/2025 <br> Ready for Review-Document Uploaded. Letter attached that was in file, addresses the only inq dated 10/28 all from XXXX on the same date. please clear findings. - Seller-02/07/2025 | Resolved-Received executed LOX for inquiries-no additional liabilities. - Due Diligence Vendor-02/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 781 is at least 20 points higher than the guideline minimum of 700<br>LTV is less than guideline maximum - Qualifying LTV 70 is less than the guideline max of 80.<br>Months Reserves exceed minimum required - Guides require 3 months reserves and the borrower has 23 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3360214 |
| XXXX | 501844 | XXXX D A | Closed | FCRE5790 | 2025-01-24 12:42 | 2025-02-11 13:48 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received the borrower 1 Gap Credit Report not expired. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Document Uploaded. please find the final UDM the report date is XXXX not the order date. - Seller-02/04/2025 <br> Counter-Gap report provided is not dated within 10 days. - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. please find the gap report for review. - Seller-01/27/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. please find the final UDM the report date is XXXX not the order date. - Seller-02/04/2025 <br> Ready for Review-Document Uploaded. please find the gap report for review. - Seller-01/27/2025 | Resolved-Received the borrower 1 Gap Credit Report not expired. - Due Diligence Vendor-02/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 781 is at least 20 points higher than the guideline minimum of 700<br>LTV is less than guideline maximum - Qualifying LTV 70 is less than the guideline max of 80.<br>Months Reserves exceed minimum required - Guides require 3 months reserves and the borrower has 23 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3277605 |
| XXXX | 501844 | XXXX D A | Closed | FCOM9452 | 2025-01-24 14:56 | 2025-01-29 16:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Property 3: Missing Lease Agreement | Resolved-Received Lease. - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. please find the lease agreement that was for mechanic - Seller-01/27/2025 <br> Open-Missing lease agreement for Property XXXX on Final 1003 for Unit 24 w/lease amount of at least XXXX - Due Diligence Vendor-01/24/2025 | Ready for Review-Document Uploaded. please find the lease agreement that was for XXXX - Seller-01/27/2025 | Resolved-Received Lease. - Due Diligence Vendor-01/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 781 is at least 20 points higher than the guideline minimum of 700<br>LTV is less than guideline maximum - Qualifying LTV 70 is less than the guideline max of 80.<br>Months Reserves exceed minimum required - Guides require 3 months reserves and the borrower has 23 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3279426 |
| XXXX | 501844 | XXXX D A | Closed | FCRE1964 | 2025-01-24 15:04 | 2025-01-29 16:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Removed REO income for property XXXX per client. - Due Diligence Vendor-01/29/2025 <br> Ready for Review-the rental income was not used for qualification, so was not included. please clear findings. - Seller-01/27/2025 <br> Open-Missing 2 months proof of receipt of rent income for Property XXXX on Final 1003 - Due Diligence Vendor-01/24/2025 | Ready for Review-the rental income was not used for qualification, so was not included. please clear findings. - Seller-01/27/2025<br>| Resolved-Removed REO income for property 3c per client. - Due Diligence Vendor-01/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 781 is at least 20 points higher than the guideline minimum of 700<br>LTV is less than guideline maximum - Qualifying LTV 70 is less than the guideline max of 80.<br>Months Reserves exceed minimum required - Guides require 3 months reserves and the borrower has 23 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3279539 |
| XXXX | 501845 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 501846 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 501847 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 501848 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 501849 | XXXX C B A | Closed | FCRE1194 | 2025-01-27 11:12 | 2025-02-10 16:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Document Uploaded. Originator waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-02/10/2025 <br> Counter-We are unable to clear without documentation in the file to support. Please provide a UW cert or an approved exception for the LTV. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-The requirement is not an exception to guidelines. File was reviewed by management and loan was approved to move forward. There is no formal document to record management approval, Please clear condition. - Seller-02/03/2025 <br> Counter-Please provide documentation to support the loan was not reviewed as Rural. - Due Diligence Vendor-01/30/2025 <br> Ready for Review-Per XXXX guidelines, HomeXpress makes the determination of whether a property is considered rural or not, taking multiple factors into consideration. This property is located 8 minutes from the XXXX which provides all the normal urban amenities (shopping, dining, entertainment), per appraisal the neighborhood is 25%-75% built up, and also has public electricity. Given these characteristics, XXXX determined that this property is not rural per our guidelines. The LTV limit of 75% does not apply. Please clear finding. <br> - Seller-01/28/2025 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Verified max per guides is 75% for a rural property purchase- loan closed at 80% no exception request in file - Due Diligence Vendor-01/27/2025 | Ready for Review-The requirement is not an exception to guidelines. File was reviewed by management and loan was approved to move forward. There is no formal document to record management approval, Please clear condition. - Seller-02/03/2025 <br> Ready for Review-Per XXXX guidelines, XXXX makes the determination of whether a property is considered rural or not, taking multiple factors into consideration. This property is located 8 minutes from the XXXX which provides all the normal urban amenities (shopping, dining, entertainment), per appraisal the neighborhood is 25%-75% built up, and also has public electricity. Given these characteristics, XXXX determined that this property is not rural per our guidelines. The LTV limit of 75% does not apply. Please clear finding. <br> - Seller-01/28/2025 | Waived-Document Uploaded. Originator waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-02/10/2025<br>| Qualifying DTI below maximum allowed - Allowed DTI to 50%- clients DTI is under 5%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualified with a 799 credit score | DTI 5% below max<br> 799 qualifying score | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3286524 |
| XXXX | 503339 | XXXX A | Closed | FPRO1253 | 2025-01-27 16:08 | 2025-05-21 08:28 | Resolved | 1 - Information A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Upon further review, additional valuation product is provided. - Due Diligence Vendor-05/21/2025 |  | Resolved-Upon further review, additional valuation product is provided. - Due Diligence Vendor-05/21/2025<br>| DSCR % greater than 1.20 - Dscr 1.32<br>Qualifying FICO score is at least 20 points above minimum for program - Qualified with a 735 credit score |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3290311 |
| XXXX | 503340 | XXXX C A | Closed | FCRE1159 | 2025-01-27 14:43 | 2025-01-30 14:02 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Upon further review, the disbursement date is XXXX - Due Diligence Vendor-01/30/2025 <br> Ready for Review-The loan was funded on XXXX which makes the effective date sufficient. Please clear condition. - Seller-01/29/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Verified no update in file - Due Diligence Vendor-01/27/2025 | Ready for Review-The loan was funded on XXXX which makes the effective date sufficient. Please clear condition. - Seller-01/29/2025 | Resolved-Upon further review, the disbursement date is XXXX - Due Diligence Vendor-01/30/2025 | Months Reserves exceed minimum required - required 6 mos client has over 14 mos reserves<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income over $4k |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3289438 |
| XXXX | 503341 | XXXX C A | Closed | finding-3532 | 2025-01-23 09:51 | 2025-01-29 12:20 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received evidence of receipt for CD XXXX, finding resolved. - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. Initial LE issued XXXX with confirmation of receipt has been uploaded, please clear condition. - Seller-01/27/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. \*\*\*\*\*Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-01/23/2025 | Ready for Review-Document Uploaded. Initial LE issued XXXX with confirmation of receipt has been uploaded, please clear condition. - Seller-01/27/2025 | Resolved-Received evidence of receipt for CD XXXX, finding resolved. - Due Diligence Vendor-01/29/2025 | LTV is less than guideline maximum - LTV 80% is lower than maximum 90%<br>Months Reserves exceed minimum required - 13.49 months reserves exceed required 6 by 7.49 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 751 is higher than the required 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3265637 |
| XXXX | 503341 | XXXX C A | Closed | finding-3634 | 2025-01-23 09:51 | 2025-01-29 12:20 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC XXXX, finding resolved. - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. CD issued XXXX with confirmation of receipt has been uploaded, please clear condition. - Seller-01/27/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\*Zero (0%) tolerance fees increased by XXXX (Loan Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is 01/16/2028.<br> - Due Diligence Vendor-01/23/2025 | Ready for Review-Document Uploaded. CD issued XXXX with confirmation of receipt has been uploaded, please clear condition. - Seller-01/27/2025 | Resolved-Received COC XXXX, finding resolved. - Due Diligence Vendor-01/29/2025 | LTV is less than guideline maximum - LTV 80% is lower than maximum 90%<br>Months Reserves exceed minimum required - 13.49 months reserves exceed required 6 by 7.49 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 751 is higher than the required 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3265639 |
| XXXX | 503342 | XXXX C B A | Closed | FCRE1198 | 2025-01-27 08:53 | 2025-01-30 15:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-01/30/2025 <br>Ready for Review-Document Uploaded. please find the credit exception for review. - Seller-01/29/2025 <br>Open-Audited Reserves of 9.08 month(s) are less than Guideline Required Reserves of 12 month(s) Guidelines require 6 months reserves and 6 additional months for FTHB with no verified housing history. - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. please find the credit exception for review. - Seller-01/29/2025<br>| Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-01/30/2025 | Qualifying DTI below maximum allowed - DTI of 36.54% is less than the maximum allowed per guidelines of 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 769 is higher than the minimum required score of 660 | DTI: 22.18/36.54<br> LTV: 80%<br> FICO 769<br> Tradelines XXXX<br> Years of Monthly payments 99+<br> Years on the Job: 9+ | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3284536 |
| XXXX | 503343 | XXXX D B A | Closed | FCRE0068 | 2025-01-24 16:21 | 2025-02-13 09:34 | Waived | 2 - Non-Material B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Originator waiver applied to non-material finding with compensating factors. Minimum equity requirement is XXXX this loan has XXXX. - Due Diligence Vendor-02/13/2025 |  | Waived-Originator waiver applied to non-material finding with compensating factors. Minimum equity requirement is XXXX this loan has XXXX. - Due Diligence Vendor-02/13/2025 | Qualifying FICO score is at least 20 points above minimum for program - 780 score exceeds 760 minimum.<br>Months Reserves exceed minimum required - Minimum Guideline reserves 6 months. File contained 127.86 Months reserves. | 127.86 Months reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3280289 |
| XXXX | 503343 | XXXX D B A | Closed | FCRE1479 | 2025-01-27 14:39 | 2025-02-11 16:45 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Upon further review, all required asset documentation has been provided. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. These were already sent in the tape of two months first before any other statement, please find oct and nov - Seller-02/07/2025 <br> Counter-Received 2 months seasoned assets for Heritage. Missing bank statement for December for XXXX. Last Statement provided is dated XXXX . For loans with an LTV greater than 65%, all funds to close must be sourced and seasoned for 60 days. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Document Uploaded. heritage. per guides 10 days of seasoning req - Seller-02/04/2025 <br> Counter-Please provide the statements for the XXXX Account. In addition, the funds are not seasoned a minimum of sixty (60) days. Per guidelines a letter of explanation is required along with the information to comprise a sixty (60) day chain of funds. - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. there are enough funds for reserves with the following attached account. without the wells. in the XXXX account. - Seller-01/29/2025 <br> Open-File contained two (2) most recent bank statements for the XXXX. The funds are not seasoned a minimum of sixty (60) days. Per guidelines a letter of explanation is required along with the information to comprise a sixty (60) day chain of funds. - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. These were already sent in the tape of two months first before any other statement, please find XXXX - Seller-02/07/2025 <br> Ready for Review-Document Uploaded. XXXX. per guides 10 days of seasoning req - Seller-02/04/2025 <br> Ready for Review-Document Uploaded. there are enough funds for reserves with the following attached account. without the XXXX. in the XXXX account. - Seller-01/29/2025 | Resolved-Upon further review, all required asset documentation has been provided. - Due Diligence Vendor-02/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 780 score exceeds 760 minimum.<br>Months Reserves exceed minimum required - Minimum Guideline reserves 6 months. File contained 127.86 Months reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3289383 |
| XXXX | 503343 | XXXX D B A | Closed | FCRE5770 | 2025-01-27 12:51 | 2025-01-31 16:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit report for both borrowers. - Due Diligence Vendor-01/31/2025 <br>Ready for Review-Document Uploaded. please find the credit report for review. - Seller-01/29/2025 <br>Open-Borrower 1 Credit Report is Missing. Borrower 1 and 2 Credit Report is Missing. - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. please find the credit report for review. - Seller-01/29/2025<br>| Resolved-Received Credit report for both borrowers. - Due Diligence Vendor-01/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 780 score exceeds 760 minimum.<br>Months Reserves exceed minimum required - Minimum Guideline reserves 6 months. File contained 127.86 Months reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3287993 |
| XXXX | 503343 | XXXX D B A | Closed | FCRE5782 | 2025-01-27 12:51 | 2025-01-31 16:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, not required for DSCR - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Per guidelines on XXXX no gap report is required. please clear findings. - Seller-01/29/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Borrower 1 and 2 Gap Credit Report is Missing - Due Diligence Vendor-01/27/2025 | Ready for Review-Per guidelines on XXXX no gap report is required. please clear findings. - Seller-01/29/2025 | Resolved-Upon further review, not required for DSCR - Due Diligence Vendor-01/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 780 score exceeds 760 minimum.<br>Months Reserves exceed minimum required - Minimum Guideline reserves 6 months. File contained 127.86 Months reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3287995 |
| XXXX | 503343 | XXXX D B A | Closed | FCOM1350 | 2025-01-24 15:46 | 2025-01-30 09:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-The Loan Agreement/Term Sheet Doc is Present or Not Applicable. - Due Diligence Vendor-01/30/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. Missing Loan Agreement/Term Sheet - Due Diligence Vendor-01/27/2025 |  | Resolved-The Loan Agreement/Term Sheet Doc is Present or Not Applicable. - Due Diligence Vendor-01/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 780 score exceeds 760 minimum.<br>Months Reserves exceed minimum required - Minimum Guideline reserves 6 months. File contained 127.86 Months reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3279996 |
| XXXX | 504150 | XXXX D B A | Closed | FCOM1227 | 2025-01-28 15:33 | 2025-03-13 16:29 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received PUD Rider. - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. Pud rider attached. - Seller-03/12/2025 <br>Open-PUD Rider is Missing Per appraisal and attorney review - commitment reflects a homeowner's association, with mandatory assessments secured by a lien. For that reason, a PUD Rider should be attached to the Deed of Trust - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. Pud rider attached. - Seller-03/12/2025<br>| Resolved-Received PUD Rider. - Due Diligence Vendor-03/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 600 / Borrower FICO 761<br>LTV is less than guideline maximum - Max LTV 90% / Subject LTV 57.89% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3300743 |
| XXXX | 504150 | XXXX D B A | Closed | FCRE1278 | 2025-01-28 14:46 | 2025-02-05 15:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Originator provided an Exception to waive mandatory escrow, applied to non material finding with comp factors. - Due Diligence Vendor-05/21/2025 <br>Ready for Review-Document Uploaded. please find exception for review. - Seller-02/04/2025 <br>Open-Escrow waiver guidelines were not met- Escrows required per program guidelines, loan does not include escrows. - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. please find exception for review. - Seller-02/04/2025<br>| Waived-Originator provided an Exception to waive mandatory escrow, applied to non material finding with comp factors. - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 600 / Borrower FICO 761<br>LTV is less than guideline maximum - Max LTV 90% / Subject LTV 57.89% | -Max LTV 90% / Subject LTV 57.89%<br> - Min FICO 600 / Borrower FICO 761 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3300111 |
| XXXX | 504151 | XXXX D B A | Closed | FCRE1493 | 2025-01-28 13:09 | 2025-02-05 15:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Client provided an Exception to allow minimum tradelines less than 12 months, applied to non material finding with comp factors. - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Document Uploaded. please find the credit exception. - Seller-02/04/2025 <br> Open-3 trade lines reporting for ≥ 12 month; or 2 trade lines reporting for ≥ 24 months with activity in the past 12 months. For borrowers without a housing history, one of the tradelines must be at least XXXX high credit/limit. Borrower has one tradeline with a 39 month history and a high credit of XXXX. Other accounts are over 5 years old. - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. please find the credit exception. - Seller-02/04/2025<br>| Waived-Client provided an Exception to allow minimum tradelines less than 12 months, applied to non material finding with comp factors. - Due Diligence Vendor-02/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 600, qualifying score is 730.<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%, subject qualifying DTI is 23.26%. | -Maximum DTI is 50%, subject qualifying DTI is 23.26%.<br> - Minimum FICO is 600, qualifying score is 730. | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3298503 |
| XXXX | 504151 | XXXX D B A | Closed | FCRE1316 | 2025-01-28 10:19 | 2025-02-05 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received 3rd party online search for business. - Due Diligence Vendor-02/05/2025 <br>Ready for Review-Document Uploaded. borrower is self employed biz owner, so no VOE is required. please clear findings. - Seller-02/04/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VOE - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. borrower is self employed biz owner, so no VOE is required. please clear findings. - Seller-02/04/2025<br>| Resolved-Received 3rd party online search for business. - Due Diligence Vendor-02/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 600, qualifying score is 730.<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%, subject qualifying DTI is 23.26%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3295782 |
| XXXX | 504152 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 504154 | XXXX C B A | Closed | finding-47 | 2025-01-23 16:37 | 2025-01-31 08:28 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, with updated disbursement date, finding resolved. - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. PCCD with the disbursement date of XXXX has been uploaded, please clear condition. - Seller-01/29/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date<br> - Due Diligence Vendor-01/23/2025 | Ready for Review-Document Uploaded. PCCD with the disbursement date of XXXX has been uploaded, please clear condition. - Seller-01/29/2025 | Resolved-Received PCCD XXXX, with updated disbursement date, finding resolved. - Due Diligence Vendor-01/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - Client qualified with an 810 credit score<br>LTV is less than guideline maximum - Closed at 60% LTV |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3271340 |
| XXXX | 504154 | XXXX C B A | Closed | FCOM1353 | 2025-01-23 17:08 | 2025-01-23 17:08 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/23/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Client qualified with an 810 credit score<br>LTV is less than guideline maximum - Closed at 60% LTV |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 3271603 |
| XXXX | 504155 | XXXX D A | Closed | FCOM1220 | 2025-01-28 10:02 | 2025-01-31 16:52 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. Page 19 of the Security Deed has been executed, please clear condition. - Seller-01/29/2025 <br> Open-The Deed of Trust is Missing Missing executed deed of trust signed by borrower(s). - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. Page 19 of the Security Deed has been executed, please clear condition. - Seller-01/29/2025<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/31/2025<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 33 months.<br>Qualifying DTI below maximum allowed - Guidelines allow DTI to 50%. Qualifying DTI is 35.63%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3295491 |
| XXXX | 506089 | XXXX C A | Closed | FPRO0013 | 2025-01-28 17:11 | 2025-02-11 16:27 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared within 120 days of Note | Resolved-Received PDI with an inspection date of XXXX. No Damage. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. please find the PDI for review. - Seller-02/07/2025 <br> Open-XXXX - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. please find the PDI for review. - Seller-02/07/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No Damage. - Due Diligence Vendor-02/11/2025 | DSCR % greater than 1.20 - DSCR is 1.23<br>Months Reserves exceed minimum required - client has over 60 mos in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3301764 |
| XXXX | 506090 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 506091 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 506092 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 506093 | XXXX C A | Closed | finding-3634 | 2025-01-27 14:05 | 2025-02-11 10:01 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Final CD includes a Lender Credit of $40.00 increase in closing cost above legal limit for the appraisal fee. - Finding Resolved. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. please find the COC for review. - Seller-02/07/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by XXXX (Points and Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. Final CD has a partial cure of XXXX for the appraisal fee. The finding for the Points maybe resolved with proof of receipt by the borrower of the revised LE dated XXXX.<br>- Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. please find the COC for review. - Seller-02/07/2025<br>| Resolved-Final CD includes a Lender Credit ofXXXX increase in closing cost above legal limit for the appraisal fee. - Finding Resolved. - Due Diligence Vendor-02/11/2025 | Qualifying DTI below maximum allowed - 47.56% DTI is below max of 50%.<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 8 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3288952 |
| XXXX | 506093 | XXXX C A | Closed | finding-3526 | 2025-01-27 15:12 | 2025-02-11 10:00 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Rec'd borrower's acknowledgement of CD issued XXXX5 LOS Screen Print. Finding Resolved. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. please find the screen shot of elec sig. - Seller-02/07/2025 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. -----There is no proof in file that the revised LE dated XXXX was received by the borrower. - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. please find the screen shot of elec sig. - Seller-02/07/2025<br>| Resolved-Rec'd borrower's acknowledgement of CD issued XXXX LOS Screen Print. Finding Resolved. - Due Diligence Vendor-02/11/2025 | Qualifying DTI below maximum allowed - 47.56% DTI is below max of 50%.<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 8 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3289737 |
| XXXX | 507321 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 507322 | XXXX C A | Closed | finding-3652 | 2025-01-28 13:59 | 2025-02-03 10:13 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. DISAGREE: LE dated XXXX, against which fees were baselined, shows a lender credit of XXXX (not including lender-paid comp). Final CD (attached) shows the same lender credit. Based on LE baseline amount, lender credit remained consistent for the borrower. Please clear condition. - Seller-01/31/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. DISAGREE: LE dated XXXX, against which fees were baselined, shows a lender credit of XXXX (not including lender-paid comp). Final CD (attached) shows the same lender credit. Based on LE baseline amount, lender credit remained consistent for the borrower. Please clear condition. - Seller-01/31/2025 | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-02/03/2025<br>| Months Reserves exceed minimum required - 14 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 770 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3299453 |
| XXXX | 507322 | XXXX C A | Closed | finding-3532 | 2025-01-28 13:59 | 2025-02-03 10:12 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received evidence of delivery of CD XXXX. Finding resolved. - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. CD issued XXXX along with confirmation of receipt has been uploaded, please clear condition. - Seller-01/31/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. -----Missing proof of receipt of initial closing disclosure by the borrower. - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. CD issued XXXX along with confirmation of receipt has been uploaded, please clear condition. - Seller-01/31/2025 | Resolved-Received evidence of delivery of CD XXXX. Finding resolved. - Due Diligence Vendor-02/03/2025 | Months Reserves exceed minimum required - 14 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 770 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3299452 |
| XXXX | 507323 | XXXX C A | Closed | FCRE1510 | 2025-01-28 14:20 | 2025-02-04 16:41 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/legal. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. Mortgage with legal description has been uploaded, please clear condition. - Seller-01/31/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description missing - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. Mortgage with legal description has been uploaded, please clear condition. - Seller-01/31/2025<br>| Resolved-Received Mortgage w/legal. - Due Diligence Vendor-02/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 725; guidelines require 680.<br>Months Reserves exceed minimum required - 63.27 months reserves; 6 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3299766 |
| XXXX | 507324 | XXXX D A C | Closed | FVAL1039 | 2025-01-30 10:29 | 2025-02-06 16:48 | Resolved | 1 - Information C A | Property | Value | Appraised value unsupported | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. Updated CU and CDA have been uploaded, please clear condition. - Seller-02/05/2025 <br> Open-Secondary valuation provided has a variance of greater than -10% compared to the original appraised value. Appraisal in file reflects a value of XXXX. UCDP - Collateral Underwriter reflects a value of XXXX. Approvals in file do not reflect any additional review requirements to address this variance completed at origination. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. Updated CU and CDA have been uploaded, please clear condition. - Seller-02/05/2025<br>| Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-02/06/2025<br>| Long term residence - Borrower at primary residence for 4 years and 5 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 620, qualifying score is 642. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3316215 |
| XXXX | 507324 | XXXX D A C | Closed | FCRE1198 | 2025-01-30 13:39 | 2025-02-03 16:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received the Settlement Statement. - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. Final settlement statement shows the borrower received XXXX, with the verified assets and refund is sufficient to cover the reserves. Please clear condition. - Seller-01/31/2025 <br> Open-Audited Reserves of 0.74 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. Final settlement statement shows the borrower received XXXX, with the verified assets and refund is sufficient to cover the reserves. Please clear condition. - Seller-01/31/2025 | Resolved-Received the Settlement Statement. - Due Diligence Vendor-02/03/2025<br>| Long term residence - Borrower at primary residence for 4 years and 5 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 620, qualifying score is 642. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3319043 |
| XXXX | 507324 | XXXX D A C | Closed | FCRE0700 | 2025-01-29 10:03 | 2025-02-03 16:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. We do not issue CDs for investment loans. Final settlement statement has been uploaded, please clear condition. - Seller-01/31/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. The final CD is missing from the loan file. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. We do not issue CDs for investment loans. Final settlement statement has been uploaded, please clear condition. - Seller-01/31/2025<br>| Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-02/03/2025<br>| Long term residence - Borrower at primary residence for 4 years and 5 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 620, qualifying score is 642. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3305300 |
| XXXX | 507324 | XXXX D A C | Closed | FCRE1316 | 2025-01-30 11:55 | 2025-02-03 16:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received borrower 1 3rd Party VOE Prior to Close. - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. The borrower is self employed, no VOE. A copy of business registration with the XXXX. Please clear condition. - Seller-01/31/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. The borrower is self employed, no VOE. A copy of business registration with the XXXX State of Secretary. Please clear condition. - Seller-01/31/2025 | Resolved-Received borrower 1 3rd Party VOE Prior to Close. - Due Diligence Vendor-02/03/2025<br>| Long term residence - Borrower at primary residence for 4 years and 5 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 620, qualifying score is 642. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3317524 |
| XXXX | 507325 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 507678 | XXXX C A | Closed | finding-47 | 2025-01-28 17:10 | 2025-02-04 09:33 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX. Finding resolved. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. please find the PCCD for review. - Seller-02/03/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date<br> - Due Diligence Vendor-01/29/2025 | Ready for Review-Document Uploaded. please find the PCCD for review. - Seller-02/03/2025<br>| Resolved-Received PCCD XXXX with updated disbursement date of XXXX. Finding resolved. - Due Diligence Vendor-02/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualified with a 728 credit score<br>Qualifying DTI below maximum allowed - Allowed to 55% DTI- client qualified DTI < 35% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3301755 |
| XXXX | 507679 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 507680 | XXXX D A | Closed | FCRE6019 | 2025-01-30 15:19 | 2025-02-11 17:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received LOE and corrected 1003. - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. Please find corrected 1003 - Seller-02/10/2025 <br>Counter-Please provide a corrected 1003. - Due Diligence Vendor-02/04/2025 <br>Ready for Review-Document Uploaded. borrower is a citizen, the 1003 was mistaken. please find the loe - Seller-02/03/2025 <br>Open-Borrower Citizenship Documentation Is Missing 1003 shows borrower is a non-permanent resident. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. Please find corrected 1003 - Seller-02/10/2025 <br>Ready for Review-Document Uploaded. borrower is a citizen, the 1003 was mistaken. please find the loe - Seller-02/03/2025<br>| Resolved-Received LOE and corrected 1003. - Due Diligence Vendor-02/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 797 > 620<br>LTV is less than guideline maximum - LTV 63% LTV. Allowed 80% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3320637 |
| XXXX | 507680 | XXXX D A | Closed | FCRE1164 | 2025-01-30 12:43 | 2025-02-04 17:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-02/04/2025 <br>Ready for Review-Document Uploaded. Please find the final flood ins for review. - Seller-02/03/2025 <br>Open-Missing Flood Insurance Policy - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. Please find the final flood ins for review. - Seller-02/03/2025<br>| Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-02/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 797 > 620<br>LTV is less than guideline maximum - LTV 63% LTV. Allowed 80% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3318233 |
| XXXX | 507681 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 507682 | XXXX D A | Closed | FCRE1510 | 2025-01-29 08:55 | 2025-02-04 17:30 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received all pages of the Mortgage w/Legal. - Due Diligence Vendor-02/04/2025 <br>Ready for Review-Document Uploaded. please find the final dot for review. - Seller-02/03/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing page 3 and missing the Legal Description for executed Mortgage. - Due Diligence Vendor-01/29/2025 | Ready for Review-Document Uploaded. please find the final dot for review. - Seller-02/03/2025<br>| Resolved-Received all pages of the Mortgage w/Legal. - Due Diligence Vendor-02/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 640 credit score. Qualifying credit score is 798.<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 40 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3304562 |
| XXXX | 507682 | XXXX D A | Closed | FPRO1255 | 2025-01-30 14:44 | 2025-02-04 17:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-02/04/2025 <br>Ready for Review-Document Uploaded. HOA questionnaire for review. - Seller-02/03/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing HOA Cert unable to determine condo warrantability. Additional conditions may apply. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. HOA questionnaire for review. - Seller-02/03/2025<br>| Resolved-The HOA Questionnaire Document is not missing or Not Applicable. - Due Diligence Vendor-02/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 640 credit score. Qualifying credit score is 798.<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 40 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3320036 |
| XXXX | 507682 | XXXX D A | Closed | FCRE9996 | 2025-01-30 16:47 | 2025-02-04 17:27 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received milestone inspection. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. please find the milestone inspection - Seller-02/03/2025 <br> Open-Missing proof of XXXX, required in XXXX.<br> - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. please find the milestone inspection - Seller-02/03/2025<br>| Resolved-Received milestone inspection. - Due Diligence Vendor-02/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 640 credit score. Qualifying credit score is 798.<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 40 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3321692 |
| XXXX | 509253 | XXXX C B A | Closed | FCRE0068 | 2025-01-31 07:42 | 2025-02-07 17:21 | Waived | 2 - Non-Material C B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Originator provided an Exception, applied to non material finding with comp factors - Due Diligence Vendor-05/21/2025 <br> Ready for Review-Document Uploaded. please find the exception - Seller-02/06/2025 <br> Open-Remaining equity is less than XXXX which does not meet guideline requirement. - Using lower Purchase Price Value to calculate, the Remaining equity is less than XXXX<br> \*\*Appraised OOV is higher, and if used to calculate, the Remaining equity is more than XXXX\*\* - Due Diligence Vendor-01/31/2025 | Ready for Review-Document Uploaded. please find the exception - Seller-02/06/2025<br>| Waived-Originator provided an Exception, applied to non material finding with comp factors - Due Diligence Vendor-05/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required 700 credit score client has a 722<br>Months Reserves exceed minimum required - Client has over 18 mos of reserves | -Fico: 722<br> - DTI: 15.03%<br> - Reserves: 18 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 3324348 |
| XXXX | 509254 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 509255 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 509256 | XXXX C A | Closed | FCRE1510 | 2025-01-30 11:10 | 2025-02-05 16:19 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received the Legal Description. - Due Diligence Vendor-02/05/2025 <br>Ready for Review-Document Uploaded. Please find the full prelim - Seller-02/04/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. Please find the full prelim - Seller-02/04/2025<br>| Resolved-Received the Legal Description. - Due Diligence Vendor-02/05/2025<br>| DSCR % greater than 1.20 - DSCR is 1.26<br>Qualifying FICO score is at least 20 points above minimum for program - Client qualified with an 801 credit score |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3316856 |
| XXXX | 509257 | XXXX D A | Closed | FCOM1227 | 2025-02-03 10:15 | 2025-03-05 15:19 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-PUD rider provided. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. Executed PUD rider has been uploaded, please clear condition. - Seller-03/05/2025 <br>Open-PUD Rider is Missing Missing PUD Rider - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. Executed PUD rider has been uploaded, please clear condition. - Seller-03/05/2025<br>| Resolved-PUD rider provided. - Due Diligence Vendor-03/05/2025<br>| Long term residence - 18 Years<br>Months Reserves exceed minimum required - 45.36 months reserves; 3 months reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3334987 |
| XXXX | 509257 | XXXX D A | Closed | FCRE0053 | 2025-02-03 10:15 | 2025-03-05 15:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-PUD rider provided. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. Executed PUD rider has been uploaded, please clear condition. - Seller-03/05/2025 <br>Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Missing PUD Rider - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. Executed PUD rider has been uploaded, please clear condition. - Seller-03/05/2025<br>| Resolved-PUD rider provided. - Due Diligence Vendor-03/05/2025<br>| Long term residence - 18 Years<br>Months Reserves exceed minimum required - 45.36 months reserves; 3 months reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3334988 |
| XXXX | 509257 | XXXX D A | Closed | FCRE1510 | 2025-01-31 23:18 | 2025-03-05 15:18 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/legal. - Due Diligence Vendor-02/07/2025 <br>Ready for Review-Document Uploaded. Legal attached to the recorded mortgage, please clear condition. - Seller-02/05/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. - Due Diligence Vendor-02/01/2025 | Ready for Review-Document Uploaded. Legal attached to the recorded mortgage, please clear condition. - Seller-02/05/2025<br>| Resolved-Received Mortgage w/legal. - Due Diligence Vendor-02/07/2025<br>| Long term residence - 18 Years<br>Months Reserves exceed minimum required - 45.36 months reserves; 3 months reserves required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3331249 |
| XXXX | 509258 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 509259 | XXXX D A | Closed | FCRE1152 | 2025-02-03 09:02 | 2025-02-06 16:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Evidence of Property Tax. - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. The transaction was a purchase, property is in XXXX. We do not use the prior owners tax assessment on a purchase since the property will be reassessed based on the new purchase price. Property taxes are determined by using the purchase price x the tax rate, which is 1.332798. Sales price is XXXX x 1.332789% = XXXX annually / 12 = XXXX per month. Please clear condition. - Seller-02/04/2025 <br> Open-Missing Evidence of Property Tax that matches amount collected on Final CD - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. The transaction was a purchase, property is in XXXX. We do not use the prior owners tax assessment on a purchase since the property will be reassessed based on the new purchase price. Property taxes are determined by using the purchase price x the tax rate, which is 1.332798. Sales price is XXXX annually / 12 = XXXX per month. Please clear condition. - Seller-02/04/2025 | Resolved-Received Evidence of Property Tax. - Due Diligence Vendor-02/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 798 is higher than the required 700<br>Qualifying DTI below maximum allowed - DTI 37.02% is lower than allowable 43% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3334262 |
| XXXX | 509260 | XXXX C A | Closed | FCRE1203 | 2025-02-03 08:54 | 2025-02-10 16:59 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Received Fraud report with cleared alerts. - Due Diligence Vendor-02/10/2025 <br>Ready for Review-Document Uploaded. Fraud report has been cleared. Report uploaded, please clear condition. - Seller-02/07/2025 <br>Open-Potential Fraud Reflected on Fraud Report Potential watch list fraud on seller and agents no cleared alerts - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. Fraud report has been cleared. Report uploaded, please clear condition. - Seller-02/07/2025<br>| Resolved-Received Fraud report with cleared alerts. - Due Diligence Vendor-02/10/2025<br>| Months Reserves exceed minimum required - Over 30 mos of reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Qualified with a 765 credit score |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3334216 |
| XXXX | 509260 | XXXX C A | Closed | finding-3634 | 2025-01-30 13:16 | 2025-02-03 09:40 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Zero (0%) tolerance fees increased by XXXX (Appraisal Fee) without a valid COC in file. However there is a lender credit on Final Cd XXXX in the amount of XXXX. Resolved. - Due Diligence Vendor-02/03/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX (Appraisal Fee) without a valid COC in file. However there is a lender credit on Final Cd XXXX in the amount of XXXX. Resolved. - Due Diligence Vendor-01/30/2025 |  | Resolved------Zero (0%) tolerance fees increased by XXXX (Appraisal Fee) without a valid COC in file. However there is a lender credit on Final Cd XXXX in the amount of XXXX. Resolved. - Due Diligence Vendor-02/03/2025 | Months Reserves exceed minimum required - Over 30 mos of reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Qualified with a 765 credit score |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3318618 |
| XXXX | 509338 | XXXX C A | Closed | FCRE1151 | 2025-02-03 12:59 | 2025-02-06 16:40 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received the Special Warranty Deed. Satisfactory Chain of Title has been provided, - Due Diligence Vendor-02/06/2025 <br>Ready for Review-Document Uploaded. 24 month chain of title has been uploaded, please clear condition. - Seller-02/04/2025 <br>Open-Unsatisfactory Chain of Title provided. Missing 24 month Chain of Title. - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. 24 month chain of title has been uploaded, please clear condition. - Seller-02/04/2025<br>| Resolved-Received the Special Warranty Deed. Satisfactory Chain of Title has been provided, - Due Diligence Vendor-02/06/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.068<br>Qualifying FICO score is at least 20 points above minimum for program - Qualified with a 752 credit Score; 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3337512 |
| XXXX | 509338 | XXXX C A | Closed | FCRE1492 | 2025-02-03 13:05 | 2025-02-06 16:38 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. Per the 24 month chain of title, XXXX retained title in XXXX. Please clear condition. - Seller-02/04/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Missing evidence of acquisition cost of subject property. Additional conditions may apply. (Per VOM and title, subject was acquired less than 12 months ago. Per guidelines, must use acquisition cost plus documented improvements when subject purchased less than 12 months ago.) - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. Per the 24 month chain of title, XXXX retained title in XXXX. Please clear condition. - Seller-02/04/2025 | Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-02/06/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.068<br>Qualifying FICO score is at least 20 points above minimum for program - Qualified with a 752 credit Score; 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3337621 |
| XXXX | 510562 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 510563 | XXXX C A | Closed | finding-3635 | 2025-01-31 17:04 | 2025-02-05 13:38 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-there is a lender credit on final cd for fee's above legal limit in the amount of XXXX. - Due Diligence Vendor-02/05/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Ten (10%) tolerance fees (Recording Fees) increased by XXXX without a valid COC in file. However, there is a lender credit on final cd for fee's above legal limit in the amount of XXXX. Resolved. - Due Diligence Vendor-01/31/2025 |  | Resolved-there is a lender credit on final cd for fee's above legal limit in the amount of XXXX. - Due Diligence Vendor-02/05/2025 | Qualifying DTI below maximum allowed - DTI allowed to 50% Loan closed under 35%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualified with a 767 credit score |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3330590 |
| XXXX | 510564 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 510565 | XXXX C B A | Closed | FCRE0082 | 2025-02-04 14:23 | 2025-02-12 15:00 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Receive Quit Claim Deed - Due Diligence Vendor-02/12/2025 <br> Ready for Review-A copy of the recorded quit claim deed has been uploaded, please clear condition. - Seller-02/10/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing executed Deed from XXXX conveying interest - Due Diligence Vendor-02/04/2025 | Ready for Review-A copy of the recorded quit claim deed has been uploaded, please clear condition. - Seller-02/10/2025<br>| Resolved-Receive Quit Claim Deed - Due Diligence Vendor-02/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - MIN 640 credit score client has a 665<br>Months Reserves exceed minimum required - 35.76 mos reserves; 0 required |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3348441 |
| XXXX | 510565 | XXXX C B A | Closed | FVAL5472 | 2025-02-04 10:38 | 2025-02-06 16:45 | Waived | 2 - Non-Material C B | Property | Property | Property or house size is outside of guidelines | Waived-Originator exception granted for acreage, waiver applied with reviewed compactors - 665 FICO > 640 minimum required. 43.83% DTI < 50% maximum allowed. - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. Credit exception approval has been uploaded, please clear condition. - Seller-02/05/2025 <br> Open-Per lender guides, properties over 10 acres are ineligible. Loans secured by properties located on more than ten (10) acres will be considered provided that the property is not used for agricultural purposes. Subject property is on XXXX zoned rural residential agricultural. No approved exceptions found (only exception request) - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. Credit exception approval has been uploaded, please clear condition. - Seller-02/05/2025<br>| Waived-Originator exception granted for acreage, waiver applied with reviewed compactors - 665 FICO > 640 minimum required. 43.83% DTI < 50% maximum allowed. - Due Diligence Vendor-02/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - MIN 640 credit score client has a 665<br>Months Reserves exceed minimum required - 35.76 mos reserves; 0 required |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3345320 |
| XXXX | 510566 | XXXX D A | Closed | FCRE1164 | 2025-02-04 13:02 | 2025-02-07 17:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received Flood Insurance Policy - Due Diligence Vendor-02/07/2025 <br>Ready for Review-Document Uploaded. Flood policy has been uploaded, p[lease clear condition. - Seller-02/05/2025 <br>Open-Missing Flood Insurance Policy Missing policy from file- used info from final settlement stmt to qualify<br> - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. Flood policy has been uploaded, p[lease clear condition. - Seller-02/05/2025<br>| Resolved-Received Flood Insurance Policy - Due Diligence Vendor-02/07/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Dscr is 1.01<br>Qualifying FICO score is at least 20 points above minimum for program - MIN 620 client had a 704<br>Months Reserves exceed minimum required - 6 months PITIA reserves; 56.98 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3347453 |
| XXXX | 510567 | XXXX C A | Closed | finding-710 | 2025-01-31 15:05 | 2025-02-12 10:48 | Resolved | 1 - Information C A | Compliance | State Reg | TX Constitution A6 Required Fees Test | Resolved-Rec'd XXXX Report with passing XXXX. Finding Resolved. - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. DISAGREE: Please see attached XXXX report showing that this loan is passing XXXX testing. - Seller-02/10/2025 <br> Open-This loan failed the required fees test. XXXX The loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed 2% of the original principal amount, excluding fees for:An appraisal performed by a third party appraiser;A property survey performed by a state registered or licensed surveyor;A state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. -----Total allowable fees are XXXX, Actual fees are XXXX an excess of XXXX. - Due Diligence Vendor-01/31/2025 | Ready for Review-Document Uploaded. DISAGREE: Please see attached XXXX report showing that this loan is passing XXXX testing. - Seller-02/10/2025 | Resolved-Rec'd XXXX Report with passing XXXX. Finding Resolved. - Due Diligence Vendor-02/12/2025 | Qualifying DTI below maximum allowed - DTI 13.69% is lower than allowable 50%<br>Months Reserves exceed minimum required - 20.88 months reserves exceed required 6 by 14.88 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3329485 |
| XXXX | 510568 | XXXX C A | Closed | FCOM1221 | 2025-02-04 14:51 | 2025-02-07 17:21 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received Recorded Mortgage. - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. XXXX does not require witness for mortgages. The mortgage was not rejected by the County recorded, copy of the recorded mortgage has been uploaded. Please clear condition. - Seller-02/05/2025 <br> Open-Missing witness on mtg deed- only notary on copy in file XX requires 2 witnesses - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. XXXX does not require witness for mortgages. The mortgage was not rejected by the County recorded, copy of the recorded mortgage has been uploaded. Please clear condition. - Seller-02/05/2025 | Resolved-Received Recorded Mortgage. - Due Diligence Vendor-02/07/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.007<br>Qualifying FICO score is at least 20 points above minimum for program - Client qualified with a 791 credit score |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3348751 |
| XXXX | 510569 | XXXX D A | Closed | FCRE1157 | 2025-02-05 07:59 | 2025-02-11 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. Please find the final haz for review. - Seller-02/07/2025 <br>Open-Missing Hazard Insurance Policy Missing HOI policy for subject property. - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. Please find the final haz for review. - Seller-02/07/2025<br>| Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-02/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualified with a 729 credit score min 660<br>LTV is less than guideline maximum - Closed at 50% LTV max 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3353355 |
| XXXX | 510570 | XXXX C B A | Closed | FVAL5524 | 2025-02-05 08:54 | 2025-05-21 10:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Originator exception granted eligible property-acreage exceeding 10, waiver applied with compactors factors - Due Diligence Vendor-02/13/2025 <br> Ready for Review-XXXX does not provide an "approval form" this is the only valid form that does not require a signature please review with Mgmt and clear findings. - Seller-02/12/2025 <br> Counter-Attached is a exception request form. Please provide the lender exception approval form. - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. please find the credit exception for review. - Seller-02/07/2025 <br> Open-Ineligible Properties Properties > 10 acres per Appraisal shows XXXX acres - Due Diligence Vendor-02/05/2025 | Ready for Review-XXXX does not provide an "approval form" this is the only valid form that does not require a signature please review with Mgmt and clear findings. - Seller-02/12/2025 <br> Ready for Review-Document Uploaded. please find the credit exception for review. - Seller-02/07/2025 | Waived-Originator exception granted eligible property-acreage exceeding 10, waiver applied with compactors factors - Due Diligence Vendor-02/13/2025<br>| LTV is less than guideline maximum - LTV 70% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 666 is higher than the required 640 | Reserves: 12+ months using cash out; <br> DT: 21.2%; LTV: 73.45%; <br> FICO: 666; #of tradelines 31; <br> Monthly payments 11; # of months 0x30 payments 79 | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 3353849 |
| XXXX | 510570 | XXXX C B A | Closed | finding-3634 | 2025-01-31 15:42 | 2025-02-05 10:24 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Zero (0%) tolerance fees increased by XXXX Appraisal fee without a valid COC in file. Final CD shows a XXXX Credit for increase in closing costs. - Due Diligence Vendor-02/05/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by XXXX Appraisal fee without a valid COC in file. Final CD shows a XXXX Credit for increase in closing costs. - Due Diligence Vendor-01/31/2025 |  | Resolved-Zero (0%) tolerance fees increased by XXXX Appraisal fee without a valid COC in file. Final CD shows a XXXX Credit for increase in closing costs. - Due Diligence Vendor-02/05/2025 | LTV is less than guideline maximum - LTV 70% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 666 is higher than the required 640 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3329800 |
| XXXX | 512172 | XXXX D A | Closed | FPRO1255 | 2025-02-05 10:07 | 2025-03-05 14:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Document Uploaded. Warranty statement provided. - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. A copy of the 1008 has been uploaded, please clear condition. - Seller-03/04/2025 <br>Counter-Received condo questionnaire-provide lenders warranty type. Lock or 1008 or warranty form. - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. HOA questionnaire has been uploaded, please clear condition. - Seller-02/28/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. NO hoa cert in file - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. A copy of the 1008 has been uploaded, please clear condition. - Seller-03/04/2025 <br>Ready for Review-Document Uploaded. HOA questionnaire has been uploaded, please clear condition. - Seller-02/28/2025<br>| Resolved-Document Uploaded. Warranty statement provided. - Due Diligence Vendor-03/05/2025<br>| Months Reserves exceed minimum required - 10 months reserves exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 728 score exceeds 700 minimum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3354699 |
| XXXX | 512172 | XXXX D A | Closed | FCRE1173 | 2025-02-05 10:17 | 2025-03-03 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received master policy - Due Diligence Vendor-03/03/2025 <br>Ready for Review-Document Uploaded. Master HOA policy has been uploaded, please clear condition. - Seller-02/28/2025 <br>Open-Missing Condo Master Insurance Policy Verified Master Condo policy not in file - Due Diligence Vendor-02/05/2025 | Ready for Review-Document Uploaded. Master HOA policy has been uploaded, please clear condition. - Seller-02/28/2025<br>| Resolved-Received master policy - Due Diligence Vendor-03/03/2025<br>| Months Reserves exceed minimum required - 10 months reserves exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 728 score exceeds 700 minimum. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3354791 |
| XXXX | 512173 | XXXX C A | Closed | FPRO0011 | 2025-02-06 10:23 | 2025-02-11 16:47 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. Property disaster inspection has been uploaded, please clear condition. - Seller-02/08/2025 <br> Open-Property in XXXX impacted by wildfires XXXX. Incident Period: XXXX and continuing. PDI required - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Property disaster inspection has been uploaded, please clear condition. - Seller-02/08/2025<br>| Resolved-Received PDI with an inspection date of XXXX. No damage. - Due Diligence Vendor-02/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - MIN 680 client qualified with a 749 credit score<br>Months Reserves exceed minimum required - Required 6 mos reserves client has 48.53 mos reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3364925 |
| XXXX | 512174 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 512175 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 512176 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 512177 | XXXX C B A | Closed | FCRE7011 | 2025-02-06 16:52 | 2025-02-13 15:22 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Received the revised HOI Policy. Rent Loss Coverage is Sufficient. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. Updated HOI showing rental loss coverage has been uploaded, please clear condition. - Seller-02/12/2025 <br> Counter-Page 3 reflect XXXX Damage to Rented Premises but not loss of rent/loss of use. Finding remains. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. Please see page 3 which shows the rental coverage, please clear condition. - Seller-02/08/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. HOI does not reflect any rent loss coverage as required per guidelines. - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Updated HOI showing rental loss coverage has been uploaded, please clear condition. - Seller-02/12/2025 <br>Ready for Review-Document Uploaded. Please see page 3 which shows the rental coverage, please clear condition. - Seller-02/08/2025<br>| Resolved-Received the revised HOI Policy. Rent Loss Coverage is Sufficient. - Due Diligence Vendor-02/13/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 71 months<br>Months Reserves exceed minimum required - Verified assets of 37.73 months reserves exceed the minimum required of 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3370385 |
| XXXX | 512177 | XXXX C B A | Closed | FCRE0969 | 2025-02-06 15:22 | 2025-02-06 17:34 | Waived | 2 - Non-Material C B | Credit | Closing | Prepayment Penalty Issue | Waived-1 year prepayment penalty for a property that was listed in the last 6 months. <br> Originator exception granted and in file. Waiver applied with comp factors. - Due Diligence Vendor-02/06/2025 <br>Open-1 year prepayment penalty for a property that was listed in the last 6 months. <br> Originator exception granted and in file. Waiver applied with comp factors. - Due Diligence Vendor-02/06/2025 |  | Waived-1 year prepayment penalty for a property that was listed in the last 6 months. <br> Originator exception granted and in file. Waiver applied with comp factors. - Due Diligence Vendor-02/06/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 71 months<br>Months Reserves exceed minimum required - Verified assets of 37.73 months reserves exceed the minimum required of 3 months | Score is 714 with min required of 660<br> XXXX tradelines<br> 25 year credit history<br> 0x30 on all credit. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 3369217 |
| XXXX | 512178 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 512543 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 513094 | XXXX D B A | Closed | FCOM1227 | 2025-02-06 14:35 | 2025-03-14 12:50 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-PUD rider provided. - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. Re-recorded Deed of Trust with the PUD rider has been provided, please clear condition. - Seller-03/14/2025 <br>Open-PUD Rider is Missing. Title indicates subject property is PUD - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Re-recorded Deed of Trust with the PUD rider has been provided, please clear condition. - Seller-03/14/2025<br>| Resolved-PUD rider provided. - Due Diligence Vendor-03/14/2025<br>| Qualifying DTI below maximum allowed - DTI 18.59% allowed to 50%<br>Months Reserves exceed minimum required - 20 mos rsrvs; 12 mos required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3368709 |
| XXXX | 513094 | XXXX D B A | Closed | FCRE1247 | 2025-02-06 14:57 | 2025-02-13 15:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Originator exception granted for excessive concessions, waiver applied with compactors - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. Credit exception approval has been uploaded, please clear condition. - Seller-02/10/2025 <br> Open-Exception in file: "The seller is contributing XXXX towards closing costs, which is 3.74% of the purchase price, can we allow this so we don't have to rewrite the contract for XXXX less and reduce the seller credit?" Exception does not indicate that it is approved and the amount of the seller contribution listed does not match the amount listed on the Final CD that was given to the borrower. Contribution overage is actually XXXX - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Credit exception approval has been uploaded, please clear condition. - Seller-02/10/2025<br>| Waived-Originator exception granted for excessive concessions, waiver applied with compactors - Due Diligence Vendor-02/13/2025<br>| Qualifying DTI below maximum allowed - DTI 18.59% allowed to 50%<br>Months Reserves exceed minimum required - 20 mos rsrvs; 12 mos required | 6 months @ $3,685 = $22,110<br> 26.36% DTI<br> 85% LTV<br> 718 FICO<br> XXXX tradelines<br> 15.5 yrs of monthly payments<br> 1 yr at present address<br> Allow borrower to purchase his first home | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 3368943 |
| XXXX | 513095 | XXXX D A | Closed | FPRO1253 | 2025-02-06 09:18 | 2025-02-12 14:58 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received SSR with a CU Score of 1.4 - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. Appraisal CU has been uploaded, please clear condition. - Seller-02/10/2025 <br>Open-Additional valuation product has not been provided. Secondary Valuation or Additional Valuation has not been provided per securitization requirements - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Appraisal CU has been uploaded, please clear condition. - Seller-02/10/2025<br>| Resolved-Received SSR with a CU Score of 1.4 - Due Diligence Vendor-02/12/2025<br>| LTV is less than guideline maximum - LTV 64.61% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 798 is higher than the required 620 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3364044 |
| XXXX | 513096 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 513097 | XXXX C A | Closed | FCOM1221 | 2025-02-06 10:05 | 2025-02-11 17:08 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Upon further review, the DOT was signed correctly. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. DOT is executed correctly on XXXX doc with a XXXX attorney, please clear finding. - Seller-02/10/2025 <br> Open-XXXX requires 2 witnesses - this DOT only witness is notary - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. DOT is executed correctly on XXXX doc with a XXXX attorney, please clear finding. - Seller-02/10/2025 | Resolved-Upon further review, the DOT was signed correctly. - Due Diligence Vendor-02/11/2025<br>| Months Reserves exceed minimum required - Client has over 10 years in reserves<br>LTV is less than guideline maximum - Loan closed at 50.46% LTV allowed upto 80% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3364675 |
| XXXX | 513098 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 513099 | XXXX C A | Closed | FCRE1194 | 2025-02-06 14:22 | 2025-02-20 15:32 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, most recent 12 month history in the file is 0x30. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. Per mgmt, OK to remove the 1x30 late on this file as long as we showed 12 months of on time mortgage payments. The borrower had a 1x30 day late on his mortgage with XXXX. The borrower provided proof of on time payments from XXXX. (12 months) This allowed us to remove the 1x30 because we had 12 months on time payments and go to 75% LTV without a credit exception. - Seller-02/18/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Per guides if client has a 1x30 on primary mtg a 5% LTV deduction should have been taken which would have put max LTV at 70%- no exception request in loan file - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Per mgmt, OK to remove the 1x30 late on this file as long as we showed 12 months of on time mortgage payments. The borrower had a 1x30 day late on his mortgage with XXXX. The borrower provided proof of on time payments from XXXX to XXXX. (12 months) This allowed us to remove the 1x30 because we had 12 months on time payments and go to 75% LTV without a credit exception. - Seller-02/18/2025 | Resolved-Upon further review, most recent 12 month history in the file is 0x30. - Due Diligence Vendor-02/20/2025<br>| Months Reserves exceed minimum required - Client has over 50 mos in reserves<br>Additional assets not used to qualify - Business bank stmt assets could have been used to qualify instead only cash out |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3368519 |
| XXXX | 513099 | XXXX C A | Closed | finding-3526 | 2025-02-04 13:04 | 2025-02-11 10:19 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Rec'd borrower's acknowledgement of disclosure. Finding Resolved. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. Please find the e consent page for review. - Seller-02/10/2025 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. -----Revised LE XXXX and XXXX is not signed by the borrower, and there is no proof in the file that borrower received the changes. - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. Please find the e consent page for review. - Seller-02/10/2025<br>| Resolved-Rec'd borrower's acknowledgement of disclosure. Finding Resolved. - Due Diligence Vendor-02/11/2025<br>| Months Reserves exceed minimum required - Client has over 50 mos in reserves<br>Additional assets not used to qualify - Business bank stmt assets could have been used to qualify instead only cash out |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3347480 |
| XXXX | 513099 | XXXX C A | Closed | finding-3532 | 2025-02-04 13:04 | 2025-02-11 10:19 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Rec'd borrower's acknowledgement of disclosure. Finding Resolved. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. Please find the e consent from borrower for LE - Seller-02/10/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. Please find the e consent from borrower for LE - Seller-02/10/2025<br>| Resolved-Rec'd borrower's acknowledgement of disclosure. Finding Resolved. - Due Diligence Vendor-02/11/2025<br>| Months Reserves exceed minimum required - Client has over 50 mos in reserves<br>Additional assets not used to qualify - Business bank stmt assets could have been used to qualify instead only cash out |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3347472 |
| XXXX | 513099 | XXXX C A | Closed | finding-3652 | 2025-02-04 13:04 | 2025-02-11 10:19 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd COCs Initial CD issued XXXX has XXXX Lender Credit for increase in closing cost above legal limit, said fees dropped off Final CD issued XXXX.. Finding Resolved. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. Please find the COC for review. - Seller-02/10/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from XXXX to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. Please find the COC for review. - Seller-02/10/2025<br>| Resolved-Rec'd COCs Initial CD issued XXXX has XXXX Lender Credit for increase in closing cost above legal limit, said fees dropped off Final CD issued XXXX.. Finding Resolved. - Due Diligence Vendor-02/11/2025 | Months Reserves exceed minimum required - Client has over 50 mos in reserves<br>Additional assets not used to qualify - Business bank stmt assets could have been used to qualify instead only cash out |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3347473 |
| XXXX | 513099 | XXXX C A | Closed | finding-3635 | 2025-02-04 13:04 | 2025-02-11 10:19 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Rec'd borrower's acknowledgement of disclosure & COC. Finding Resolved. - Due Diligence Vendor-02/11/2025 <br> Ready for Review-Document Uploaded. Please find the COC for review. - Seller-02/10/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording fees) increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. Please find the COC for review. - Seller-02/10/2025<br>| Resolved-Rec'd borrower's acknowledgement of disclosure & COC. Finding Resolved. - Due Diligence Vendor-02/11/2025<br>| Months Reserves exceed minimum required - Client has over 50 mos in reserves<br>Additional assets not used to qualify - Business bank stmt assets could have been used to qualify instead only cash out |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3347477 |
| XXXX | 514266 | XXXX D A | Closed | FPRO1255 | 2025-02-06 13:17 | 2025-03-28 16:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. Please find the HOA questionnaire. - Seller-02/11/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Provide the required HOA Questionnaire Document - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Please find the HOA questionnaire. - Seller-02/11/2025<br>| Resolved-Received HOA Questionnaire - Due Diligence Vendor-02/12/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 763 is higher than the required 680 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3367575 |
| XXXX | 514267 | XXXX C B A | Closed | FCRE1440 | 2025-02-07 07:58 | 2025-02-13 15:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted payment history, waiver applied with compactors - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. Credit exception approval uploaded, please clear condition. - Seller-02/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per Lender Guides - Ratings must be obtained for the subject property and the borrower's primary residence. Mortgage/rental history must reflect no more than 1x30 on the borrower's primary residence, the subject property, and all mortgages currently reporting on the credit report used by XXXX in the underwriting of the loan.<br> Exception Request on file /no exception approval provided. - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. Credit exception approval uploaded, please clear condition. - Seller-02/11/2025<br>| Waived-Originator exception granted payment history, waiver applied with compactors - Due Diligence Vendor-02/13/2025<br>| Months Reserves exceed minimum required - Client has over 40 mos in reserves<br>DSCR % greater than 1.20 - DSCR 1.63 | # of Months Reserves<br> LTV / CLTV%<br> FICO<br> # of Tradelines<br> Years of Monthly Payments | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | N/A | 3373490 |
| XXXX | 514267 | XXXX C B A | Closed | FCRE1441 | 2025-02-07 07:58 | 2025-02-13 15:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator exception granted for payment history, waiver applied with compactors - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. Credit exception approval uploaded, please clear condition. - Seller-02/11/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Per Lender Guides - Ratings must be obtained for the subject property and the borrower's primary residence. Mortgage/rental history must reflect no more than 1x30 on the borrower's primary residence, the subject property, and all mortgages currently reporting on the credit report used by XXXX in the underwriting of the loan.<br> Exception Request on file /no exception approval provided. - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. Credit exception approval uploaded, please clear condition. - Seller-02/11/2025<br>| Waived-Originator exception granted for payment history, waiver applied with compactors - Due Diligence Vendor-02/13/2025<br>| Months Reserves exceed minimum required - Client has over 40 mos in reserves<br>DSCR % greater than 1.20 - DSCR 1.63 | # of Months Reserves<br> LTV / CLTV%<br> FICO<br> # of Tradelines<br> Years of Monthly Payments | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | N/A | 3373489 |
| XXXX | 514268 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 514269 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 514270 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA |  |  |  |
| XXXX | 514271 | XXXX C A | Closed | FCRE1507 | 2025-02-07 11:20 | 2025-05-21 10:51 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-05/21/2025 <br> Resolved-Recalculated subject property rental income - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Here are the calculations for the above file and attached is the Final income worksheet.<br>Income XXXX<br> Subject XXXX negative net rents<br> Primary XXXX<br> Addl REO XXXX negative net rents<br> Debt XXXX<br> Total XXXX = 42.98% DTI<br> - Seller-02/20/2025 <br> Counter-Received ATR Calculation Worksheet. - Reviewed Calculation - XXXX total income, XXXX primary, XXXX subject rent loss, XXXX other REO loss and XXXX in consumer Debt. - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Disagree, uploaded the CPA letter and ATR calculation - Seller-02/11/2025 <br> Open-The Originator QM Status is not the same as the Final QM Status. DTI exceed 50% higher REO payments than lenders Approval - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. Here are the calculations for the above file and attached is the Final income worksheet.<br>Income XXXX<br> Subject XXXX negative net rents<br> Primary XXXX<br> Addl REO XXXX negative net rents<br> Debt XXXX<br> Total XXXX = 42.98% DTI<br> - Seller-XXXX<br> Ready for Review-Disagree, uploaded the CPA letter and ATR calculation - Seller-02/11/2025 | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-05/21/2025 <br>Resolved-Recalculated subject property rental income - Due Diligence Vendor-02/21/2025<br>| Months Reserves exceed minimum required - 26 months reserves exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 740 is higher than the required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3375899 |
| XXXX | 514271 | XXXX C A | Closed | FCRE1193 | 2025-02-07 11:15 | 2025-02-21 15:59 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Recalculated subject property rental income. Audited DTI of 39.61% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. Here are the calculations for the above file and attached is the Final income worksheet.<br>Income XXXX<br> Subject XXXX = $3996.59 negative net rents<br> PrimaryXXXX<br> Addl REO XXXX) = $7848.76 negative net rents<br> Debt XXXX<br> Total XXXX = 42.98% DTI<br> - Seller-02/20/2025 <br> Counter-Received ATR Calculation Worksheet. - Reviewed Calculation - XXXX total income XXXX primary, XXXXsubject rent loss, XXXX other REO loss and XXXX in consumer Debt. - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. Disagree attched is the ATR calculation and CPA Letter and worksheet. - Seller-02/11/2025 <br> Open-Audited DTI of 53.15% exceeds Guideline DTI of 50% DTI exceed 50% higher REO payments than lenders Approval - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. Here are the calculations for the above file and attached is the Final income worksheet.<br>Income XXXX<br> Subject XXXX negative net rents<br> PrimaryXXXX<br> Addl REO XXXX negative net rents<br> Debt XXXX<br> Total XXXX = 42.98% DTI<br> - Seller-XXXX<br> Ready for Review-Document Uploaded. Disagree attched is the ATR calculation and CPA Letter and worksheet. - Seller-02/11/2025 | Resolved-Recalculated subject property rental income. Audited DTI of 39.61% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/21/2025<br>| Months Reserves exceed minimum required - 26 months reserves exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 740 is higher than the required 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3375814 |
| XXXX | 514272 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 514273 | XXXX D A C | Closed | FCRE1164 | 2025-02-07 13:38 | 2025-02-13 15:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received Flood Insurance Policy - Due Diligence Vendor-02/13/2025 <br>Ready for Review-Document Uploaded. Copy of flood insurance has been uploaded, please clear condition. - Seller-02/12/2025 <br>Open-Missing Flood Insurance Policy Verified copy of flood policy not in file - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. Copy of flood insurance has been uploaded, please clear condition. - Seller-02/12/2025<br>| Resolved-Received Flood Insurance Policy - Due Diligence Vendor-02/13/2025<br>| Qualifying DTI below maximum allowed - Allowed to 50% DTI loan closed under 40%<br>Months Reserves exceed minimum required - Client has over 5 mos in reserves- none required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3377736 |
| XXXX | 514273 | XXXX D A C | Closed | finding-3652 | 2025-02-06 08:01 | 2025-02-13 10:50 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd COC, remaining balance is rounding issue. Finding Resolved. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. Copy of the COC, LE issued XXXX, CD issued XXXX along with confirmation of receipt has been uploaded, please clear condition. - Seller-02/12/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. Finding can possibly be cured if provided proof borrower received Revised LE and Initial CD.<br> - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Copy of the COC, LE issued XXXX, CD issued XXXX along with confirmation of receipt has been uploaded, please clear condition. - Seller-02/12/2025 | Resolved-Rec'd COC, remaining balance is rounding issue. Finding Resolved. - Due Diligence Vendor-02/13/2025<br>| Qualifying DTI below maximum allowed - Allowed to 50% DTI loan closed under 40%<br>Months Reserves exceed minimum required - Client has over 5 mos in reserves- none required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3363413 |
| XXXX | 514273 | XXXX D A C | Closed | finding-3634 | 2025-02-06 08:01 | 2025-02-13 10:36 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COC. Finding Resolved. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. Copy of the COC, LE issued XXXX, CD issued XXXX along with confirmation of receipt has been uploaded, please clear condition. - Seller-02/12/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX (Rate Lock Extention Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is XXXX. Finding can possibly be cured if provided proof borrower received Revised LE and Initial CD.<br> - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Copy of the COC, LE issued XXXX, CD issued XXXX along with confirmation of receipt has been uploaded, please clear condition. - Seller-02/12/2025 | Resolved-Rec'd COC. Finding Resolved. - Due Diligence Vendor-02/13/2025<br>| Qualifying DTI below maximum allowed - Allowed to 50% DTI loan closed under 40%<br>Months Reserves exceed minimum required - Client has over 5 mos in reserves- none required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3363415 |
| XXXX | 514273 | XXXX D A C | Closed | finding-3526 | 2025-02-06 08:01 | 2025-02-13 10:36 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Rec'd borrower's acknowledgment of disclosure. Finding Resolved. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. Copy of the LE issued XXXX along with confirmation of receipt has been uploaded, please clear condition. - Seller-02/12/2025 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----- Revised LE XXXX is not signed by the borrower and there is no proof in file that the borrower received prior to initial CD. - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Copy of the LE issued XXXX along with confirmation of receipt has been uploaded, please clear condition. - Seller-02/12/2025 | Resolved-Rec'd borrower's acknowledgment of disclosure. Finding Resolved. - Due Diligence Vendor-02/13/2025<br>| Qualifying DTI below maximum allowed - Allowed to 50% DTI loan closed under 40%<br>Months Reserves exceed minimum required - Client has over 5 mos in reserves- none required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3363417 |
| XXXX | 514273 | XXXX D A C | Closed | finding-3532 | 2025-02-06 08:01 | 2025-02-13 10:36 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Rec'd borrower's acknowledgment of disclosure. Finding Resolved. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. Copy of the CD issued XXXX along with confirmation of receipt has been uploaded, please clear condition. - Seller-02/12/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD XXXX was not signed by the borrower and there is no proof in file the borrower received the CD. - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Copy of the CD issued XXXX along with confirmation of receipt has been uploaded, please clear condition. - Seller-02/12/2025 | Resolved-Rec'd borrower's acknowledgment of disclosure. Finding Resolved. - Due Diligence Vendor-02/13/2025<br>| Qualifying DTI below maximum allowed - Allowed to 50% DTI loan closed under 40%<br>Months Reserves exceed minimum required - Client has over 5 mos in reserves- none required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3363412 |
| XXXX | 514274 | XXXX D A | Closed | FPRO9999 | 2025-02-20 15:57 | 2025-03-12 16:51 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Received documentation confirming the insurance carrier is covering. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. Please find the response from the association regarding the lawsuit. this is directly from the association please clear finding. - Seller-03/11/2025 <br> Counter--Received legal documents outlining lawsuit, it appears plaintiff(s) are seeking relief for rents lost and as of filing, total is XXXX. Budget does not appear there are sufficient reserves. Provide additional documentation to support anticipated losses will not exceed 10% of the projects funded reserves. - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. please find the HOA lawsuit docs. 45918 - Seller-02/21/2025 <br> Open-\*New\* Received HOA questionnaire. Please provide documentation to support the Reason for the law suit, is it major or minor in nature, does it relate to safety, structural or functionality and is the lawsuit covered by the insurance. - Due Diligence Vendor-02/20/2025 | Ready for Review-Document Uploaded. Please find the response from the association regarding the lawsuit. this is directly from the association please clear finding. - Seller-03/11/2025 <br> Ready for Review-Document Uploaded. please find the HOA lawsuit docs. XXXX - Seller-02/21/2025 | Resolved-Received documentation confirming the insurance carrier is covering. - Due Diligence Vendor-03/12/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 803 is higher than the required 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3457024 |
| XXXX | 514274 | XXXX D A | Closed | FPRO1255 | 2025-02-07 12:58 | 2025-02-20 15:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. Please see new finding for litigation. - Due Diligence Vendor-02/20/2025 <br>Ready for Review-Document Uploaded. hoa questionnaire uploaded please clear findings. - Seller-02/19/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Provide the required HOA Questionnaire Document - Due Diligence Vendor-02/07/2025 | Ready for Review-Document Uploaded. hoa questionnaire uploaded please clear findings. - Seller-02/19/2025<br>| Resolved-Received HOA questionnaire. Please see new finding for litigation. - Due Diligence Vendor-02/20/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 803 is higher than the required 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3377196 |
| XXXX | 514274 | XXXX D A | Closed | FCRE1334 | 2025-02-07 13:29 | 2025-02-20 15:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Upon further review a 4506%/4506 is not required for Full Doc wage earners according to the guidelines. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-This is an XXXX program and a 4506T/4506C is not required to be signed with final docs. please clear findings - Seller-02/19/2025 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-02/07/2025 | Ready for Review-This is an XXXX program and a 4506T/4506C is not required to be signed with final docs. please clear findings - Seller-02/19/2025 | Resolved-Upon further review a 4506%/4506 is not required for Full Doc wage earners according to the guidelines. - Due Diligence Vendor-02/20/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 803 is higher than the required 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3377562 |
| XXXX | 514274 | XXXX D A | Closed | FCRE1364 | 2025-02-07 13:29 | 2025-02-20 15:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Borrower 2 Executed 4506-T/4506-C is Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/20/2025 <br> Ready for Review-This is an XXXX program and a 4506T/4506C is not required to be signed with final docs. please clear findings. - Seller-02/19/2025 <br> Open-Borrower 2 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-02/07/2025 | Ready for Review-This is an XXXX program and a 4506T/4506C is not required to be signed with final docs. please clear findings. - Seller-02/19/2025 | Resolved-Borrower 2 Executed 4506-T/4506-C is Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/20/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 803 is higher than the required 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3377563 |
| XXXX | 514274 | XXXX D A | Closed | FCRE7497 | 2025-02-07 12:50 | 2025-02-13 15:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received tax calculation. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Purchase transaction. The tax bill in file is based on previous owner assessment. <br>Our tax matrix issues the following instructions: Current years assessed value/1000 x Rsidential class tax rate. <br>The calculations I applied: (Assessed Land value / 1000) x XXXX (Residential without exemption for primary home up to XXXX) + (Current Year value / 1000) x XXXX (Residential without exemption for primary home up to XXXX) / 12.<br> Please clear findings. - Seller-02/11/2025 <br> Open-Provide the Tax Bill that supports the subject property. The taxes provided don't support the 1st payment letter - Due Diligence Vendor-02/07/2025 | Ready for Review-Purchase transaction. The tax bill in file is based on previous owner assessment. <br>Our tax matrix issues the following instructions: Current years assessed value/1000 x Rsidential class tax rate. <br>The calculations I applied: (Assessed Land value / 1000) x XXXX (Residential without exemption for primary home up to XXXX) + (Current Year value / 1000) x XXXX (Residential without exemption for primary home up to XXXX) / 12.<br> Please clear findings. - Seller-02/11/2025 | Resolved-Received tax calculation. - Due Diligence Vendor-02/13/2025<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 803 is higher than the required 660 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3377079 |
| XXXX | 516357 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 516358 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 516359 | XXXX D B C A | Closed | FVAL5474 | 2025-02-27 16:45 | 2025-02-27 16:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Originator provided a waiver for non-warrantable Condo, applied to non material finding with comp factors - Due Diligence Vendor-02/27/2025 <br>Open-Allowable attribute of non-warrantable condominiums. - Due Diligence Vendor-02/27/2025 |  | Waived-Originator provided a waiver for non-warrantable Condo, applied to non material finding with comp factors - Due Diligence Vendor-02/27/2025<br>| Months Reserves exceed minimum required - Client has 27.85 mos in reserves<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income over $20k per month | 33 Months reserves<br> 23.57% DTI<br> 11 years on the Job. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | Originator Post-Close | No | 3497276 |
| XXXX | 516359 | XXXX D B C A | Closed | FPRO1255 | 2025-02-10 09:51 | 2025-02-27 16:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Credit exception for allowable attribute of Non-Warrantable Condominium has been uploaded, please clear condition. - Seller-02/25/2025 <br>Counter-The loan file will require documentation to support in order for us to waive the finding. - Due Diligence Vendor-02/20/2025 <br>Ready for Review-Document Uploaded. The requirement is not an exception to guidelines. File was reviewed by management and loan was approved to move forward. There is no formal document to record management approval, Please clear condition. - Seller-02/18/2025 <br>Counter-Received HOA Questionnaire-subject is non-warrantable as HOA is still under control by developer. Exception required as not noted as allowable attribute of Non-Warrantable Condominiums within guidelines. - Due Diligence Vendor-02/13/2025 <br>Ready for Review-Document Uploaded. HOA questionnaire has been uploaded, please clear condition. - Seller-02/11/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. HOA Questionnaire not in file- new construction builder still in control- - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. Credit exception for allowable attribute of Non-Warrantable Condominium has been uploaded, please clear condition. - Seller-02/25/2025 <br>Ready for Review-Document Uploaded. The requirement is not an exception to guidelines. File was reviewed by management and loan was approved to move forward. There is no formal document to record management approval, Please clear condition. - Seller-02/18/2025 <br>Ready for Review-Document Uploaded. HOA questionnaire has been uploaded, please clear condition. - Seller-02/11/2025<br>| Resolved-Received HOA Questionnaire - Due Diligence Vendor-02/27/2025<br>| Months Reserves exceed minimum required - Client has 27.85 mos in reserves<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income over $20k per month |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3385097 |
| XXXX | 516359 | XXXX D B C A | Closed | finding-3532 | 2025-02-06 11:01 | 2025-02-13 10:20 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Rec'd borrower's acknowledgment of disclosure. Finding Resolved. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. Copy of the CD issued XXXX along with confirmation of receipt has been uploaded, please clear condition. - Seller-02/11/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. -----Initial CDXXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Copy of the CD issued XXXX along with confirmation of receipt has been uploaded, please clear condition. - Seller-02/11/2025 | Resolved-Rec'd borrower's acknowledgment of disclosure. Finding Resolved. - Due Diligence Vendor-02/13/2025<br>| Months Reserves exceed minimum required - Client has 27.85 mos in reserves<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income over $20k per month |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3365524 |
| XXXX | 516359 | XXXX D B C A | Closed | finding-3652 | 2025-02-06 11:01 | 2025-02-13 10:20 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd COC for decrease in Lender Credit. Finding Resolved. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. DISAGREE: LE dated XXXX, against which fees were baselined, shows no lender credit. Final CD shows the same. Based on LE baseline amount, lender credit remained consistent for the borrower. Please clear condition. - Seller-02/12/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is 03/01/2028.<br> - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. DISAGREE: LE dated XXXX, against which fees were baselined, shows no lender credit. Final CD shows the same. Based on LE baseline amount, lender credit remained consistent for the borrower. Please clear condition. - Seller-02/12/2025 | Resolved-Rec'd COC for decrease in Lender Credit. Finding Resolved. - Due Diligence Vendor-02/13/2025<br>| Months Reserves exceed minimum required - Client has 27.85 mos in reserves<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income over $20k per month |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 3365525 |
| XXXX | 516360 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 516361 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 516362 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 516363 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 516364 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 516365 | XXXX C A | Closed | FCRE1510 | 2025-02-06 11:01 | 2025-03-06 16:18 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage correction affidavit provided. - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. Please see Scrivener's Error Affidavit correcting the City name throughout the Deed of Trust., kindly clear condition. - Seller-03/06/2025 <br>Counter-DOT to reflect correct city - The City of address on DOT differs from city on legal description-finding remains. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. The Note showing the correct City name has been uploaded. The correct City name is showing in the legal description which is how title insures the document, please clear condition. - Seller-02/26/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The City of address on DOT differs from city on legal description - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. Please see XXXX Error Affidavit correcting the City name throughout the Deed of Trust., kindly clear condition. - Seller-03/06/2025 <br> Ready for Review-Document Uploaded. The Note showing the correct City name has been uploaded. The correct City name is showing in the legal description which is how title insures the document, please clear condition. - Seller-02/26/2025 | Resolved-Mortgage correction affidavit provided. - Due Diligence Vendor-03/06/2025<br>| Months Reserves exceed minimum required - 47.91 months PITIA reserves; 0 months reserves required.<br>LTV is less than guideline maximum - LTV 65% is lower than maximum 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3365523 |
| XXXX | 516366 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 516367 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 516368 | XXXX D A C | Closed | FCRE5783 | 2025-02-11 10:05 | 2025-02-13 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received acceptable UDM dated XXXX-added liabilities-ratios remain acceptable. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. Please find the UDM - Seller-02/12/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Provide a GAP report the fraud report is not reporting monitoring - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. Please find the UDM - Seller-02/12/2025<br>| Resolved-Received acceptable UDM dated XXXX-added liabilities-ratios remain acceptable. - Due Diligence Vendor-02/13/2025 | On time mortgage history exceeds guideline requirement - 0x30x12 in the past 20 months <br>Credit history exceeds minimum required - Credit history exceeds 24 mo's. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3395814 |
| XXXX | 516368 | XXXX D A C | Closed | FCRE5782 | 2025-02-11 10:05 | 2025-02-13 13:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received acceptable UDM dated XXXX-added liabilities-ratios remain acceptable. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. please find the UDM for both borrowers - Seller-02/12/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide a GAP report the fraud report is not reporting monitoring - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. please find the UDM for both borrowers - Seller-02/12/2025<br>| Resolved-Received acceptable UDM datedXXXX-added liabilities-ratios remain acceptable. - Due Diligence Vendor-02/13/2025 | On time mortgage history exceeds guideline requirement - 0x30x12 in the past 20 months <br>Credit history exceeds minimum required - Credit history exceeds 24 mo's. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3395813 |
| XXXX | 516368 | XXXX D A C | Closed | finding-3621 | 2025-02-06 16:01 | 2025-02-13 11:08 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Revised Closing Disclosure Date and Consummation Date Validation Test | Resolved-Rec'd PCCD issued XXXX. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. please find pccd for review. - Seller-02/12/2025 <br> Open-This loan failed the TRID post-consummation revised closing date and consummation date validation test.This loan contains a post-consummation revised closing disclosure delivery date that is before the consummation date, or closing/settlement date if consummation date was not provided. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD was issued XXXX & Signed by borrower XXXX with a disbursement date of XXXX. PCCD was issued XXXX & reflect a disbursement date of XXXX.. Please provide PCCD issued after closing date. - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. please find pccd for review. - Seller-02/12/2025<br>| Resolved-Rec'd PCCD issued XXXX. - Due Diligence Vendor-02/13/2025 | On time mortgage history exceeds guideline requirement - 0x30x12 in the past 20 months <br>Credit history exceeds minimum required - Credit history exceeds 24 mo's. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3369701 |
| XXXX | 516369 | XXXX C A | Closed | FCRE1510 | 2025-02-06 12:12 | 2025-02-13 13:30 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Security Deed with legal description schedule A attached. - Due Diligence Vendor-02/13/2025 <br>Ready for Review-Document Uploaded. please find the DOT with legal - Seller-02/12/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. please find the DOT with legal - Seller-02/12/2025<br>| Resolved-Received Security Deed with legal description schedule A attached. - Due Diligence Vendor-02/13/2025<br>| Qualifying DTI below maximum allowed - Guidelines allow DTI to 50%. Qualifying DTI is 15.67%.<br>Qualifying FICO score is at least 20 points above minimum for program - MIN 620 client has a 797 credit score |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3366688 |
| XXXX | 553211 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 553298 | XXXX C A | Closed | FCRE1440 | 2025-03-21 08:43 | 2025-03-24 16:16 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit supplement. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. Hi, there is a Credit Supplement on page 124. - Seller-03/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements - Missing most recent 12 months mortgage history for REO XXXX. - Due Diligence Vendor-03/21/2025 | Ready for Review-Document Uploaded. Hi, there is a Credit Supplement on page 124. - Seller-03/21/2025 | Resolved-Received credit supplement. - Due Diligence Vendor-03/24/2025<br>| Qualifying DTI below maximum allowed - qualifying DTI 23.6% max DTI 50%.<br>Months Reserves exceed minimum required - 42 mths reserves; 0 mths required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3666421 |
| XXXX | 558860 | XXXX C A | Closed | FCRE1159 | 2025-03-26 09:46 | 2025-04-08 10:43 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD. Disbursement date is XXXX - Due Diligence Vendor-03/28/2025 <br> Ready for Review-Document Uploaded. XXXX is a dry funding state. The loan did not fund until XXXX. Please see PCCD with interest collected on XXXX. - Seller-03/27/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Disbursement date of XXXX- Due Diligence Vendor-03/26/2025 | Ready for Review-Document Uploaded. XXXX is a dry funding state. The loan did not fund until XXXX. Please see PCCD with interest collected on XXXX. - Seller-03/27/2025 | Resolved-Received PCCD. Disbursement date is XXXX - Due Diligence Vendor-03/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required Fico 660, subject 769.<br>LTV is less than guideline maximum - Maximum LTV 80%, subject 75%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 3697509 |

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 301378 | XXXX | XXXX A |
| XXXX | 321539 | XXXX | XXXX D A C B |
| XXXX | 335386 | XXXX | XXXX D C A B |
| XXXX | 341791 | XXXX | XXXX C A B |
| XXXX | 345989 | XXXX | XXXX A |
| XXXX | 392683 | XXXX | XXXX B A |
| XXXX | 392687 | XXXX | XXXX D A B |
| XXXX | 412052 | XXXX | XXXX D A B |
| XXXX | 438356 | XXXX | XXXX C A B |
| XXXX | 446379 | XXXX | XXXX A |
| XXXX | 446383 | XXXX | XXXX A |
| XXXX | 448610 | XXXX | XXXX D A B |
| XXXX | 468766 | XXXX | XXXX A |
| XXXX | 468769 | XXXX | XXXX A |
| XXXX | 470213 | XXXX | XXXX D A |
| XXXX | 470215 | XXXX | XXXX D C A B |
| XXXX | 470216 | XXXX | XXXX A C |
| XXXX | 470218 | XXXX | XXXX A |
| XXXX | 470219 | XXXX | XXXX C A |
| XXXX | 471049 | XXXX | XXXX D A |
| XXXX | 471051 | XXXX | XXXX C A B |
| XXXX | 471052 | XXXX | XXXX D A C |
| XXXX | 472321 | XXXX | XXXX C A |
| XXXX | 501842 | XXXX | XXXX C A B |
| XXXX | 501843 | XXXX | XXXX A |
| XXXX | 501844 | XXXX | XXXX D A |
| XXXX | 501845 | XXXX | XXXX A |
| XXXX | 501846 | XXXX | XXXX A |
| XXXX | 501847 | XXXX | XXXX A |
| XXXX | 501848 | XXXX | XXXX A |
| XXXX | 501849 | XXXX | XXXX C A B |
| XXXX | 503339 | XXXX | XXXX A |
| XXXX | 503340 | XXXX | XXXX C A |
| XXXX | 503341 | XXXX | XXXX A C |
| XXXX | 503342 | XXXX | XXXX C A B |
| XXXX | 503343 | XXXX | XXXX D A B |
| XXXX | 504150 | XXXX | XXXX D A B |
| XXXX | 504151 | XXXX | XXXX D A B |
| XXXX | 504152 | XXXX | XXXX A |
| XXXX | 504154 | XXXX | XXXX A C B |
| XXXX | 504155 | XXXX | XXXX D A |
| XXXX | 506089 | XXXX | XXXX A C |
| XXXX | 506090 | XXXX | XXXX A |
| XXXX | 506091 | XXXX | XXXX A |
| XXXX | 506092 | XXXX | XXXX A |
| XXXX | 506093 | XXXX | XXXX A C |
| XXXX | 507321 | XXXX | XXXX A |
| XXXX | 507322 | XXXX | XXXX A C |
| XXXX | 507323 | XXXX | XXXX C A |
| XXXX | 507324 | XXXX | XXXX D A C |
| XXXX | 507325 | XXXX | XXXX A |
| XXXX | 507678 | XXXX | XXXX A C |
| XXXX | 507679 | XXXX | XXXX A |
| XXXX | 507680 | XXXX | XXXX D A |
| XXXX | 507681 | XXXX | XXXX A |
| XXXX | 507682 | XXXX | XXXX D A |
| XXXX | 509253 | XXXX | XXXX C A B |
| XXXX | 509254 | XXXX | XXXX A |
| XXXX | 509255 | XXXX | XXXX A |
| XXXX | 509256 | XXXX | XXXX C A |
| XXXX | 509257 | XXXX | XXXX D A |
| XXXX | 509258 | XXXX | XXXX A |
| XXXX | 509259 | XXXX | XXXX D A |
| XXXX | 509260 | XXXX | XXXX C A |
| XXXX | 509338 | XXXX | XXXX C A |
| XXXX | 510562 | XXXX | XXXX A |
| XXXX | 510563 | XXXX | XXXX A C |
| XXXX | 510564 | XXXX | XXXX A |
| XXXX | 510565 | XXXX | XXXX C A B |
| XXXX | 510566 | XXXX | XXXX D A |
| XXXX | 510567 | XXXX | XXXX A C |
| XXXX | 510568 | XXXX | XXXX C A |
| XXXX | 510569 | XXXX | XXXX D A |
| XXXX | 510570 | XXXX | XXXX C A B |
| XXXX | 512172 | XXXX | XXXX D A |
| XXXX | 512173 | XXXX | XXXX A C |
| XXXX | 512174 | XXXX | XXXX A |
| XXXX | 512175 | XXXX | XXXX A |
| XXXX | 512176 | XXXX | XXXX A |
| XXXX | 512177 | XXXX | XXXX C A B |
| XXXX | 512178 | XXXX | XXXX A |
| XXXX | 512543 | XXXX | XXXX A |
| XXXX | 513094 | XXXX | XXXX D A B |
| XXXX | 513095 | XXXX | XXXX A D |
| XXXX | 513096 | XXXX | XXXX A |
| XXXX | 513097 | XXXX | XXXX C A |
| XXXX | 513098 | XXXX | XXXX A |
| XXXX | 513099 | XXXX | XXXX C A |
| XXXX | 514266 | XXXX | XXXX D A |
| XXXX | 514267 | XXXX | XXXX C A B |
| XXXX | 514268 | XXXX | XXXX A |
| XXXX | 514269 | XXXX | XXXX A |
| XXXX | 514270 | XXXX | XXXX A |
| XXXX | 514271 | XXXX | XXXX C A |
| XXXX | 514272 | XXXX | XXXX A |
| XXXX | 514273 | XXXX | XXXX D C A |
| XXXX | 514274 | XXXX | XXXX D A |
| XXXX | 516357 | XXXX | XXXX A |
| XXXX | 516358 | XXXX | XXXX A |
| XXXX | 516359 | XXXX | XXXX D C A B |
| XXXX | 516360 | XXXX | XXXX A |
| XXXX | 516361 | XXXX | XXXX A |
| XXXX | 516362 | XXXX | XXXX A |
| XXXX | 516363 | XXXX | XXXX A |
| XXXX | 516364 | XXXX | XXXX A |
| XXXX | 516365 | XXXX | XXXX C A |
| XXXX | 516366 | XXXX | XXXX A |
| XXXX | 516367 | XXXX | XXXX A |
| XXXX | 516368 | XXXX | XXXX D C A |
| XXXX | 516369 | XXXX | XXXX C A |
| XXXX | 553211 | XXXX | XXXX A |
| XXXX | 553298 | XXXX | XXXX C A |
| XXXX | 558860 | XXXX | XXXX C A |

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** |
| XXXX | 301378 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/18/2024 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.500% | 9.500% | $3783.84 | Yes | 18.000% | $9110.64 | $759.22 | $5261.04 | $438.42 | $0.00 | $0.00 | $0.00 | $4981.48 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.783 | 0.783 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 03/28/2024 | 03/28/2024 |  |  |  | 720 |  |  |
| XXXX | 321539 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/03/2024 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.999% |  | $4658.96 | Yes | 18.000% | $8706.96 | $725.58 | $1515.96 | $126.33 | $2400.00 | $200.00 | $0.00 | $5710.87 |  | Yes | XXXX | XX | $200.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.981 | 0.95 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 04/01/2024 | 04/01/2024 |  |  |  | 736 |  |  |
| XXXX | 335386 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/18/2024 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 16120 | 06/03/2024 | 7.080% | Manual Underwriting | Manual Underwriting | No | 7.724% |  | 7.500% | 7.500% | $5663.64 | No |  | $19500.00 | $1625.00 | $2914.80 | $242.90 | $0.00 | $0.00 | $0.00 | $7531.54 | $11205.67 | N/A |  |  | $0.00 |  |  | 46.03% | 53.74% | 53.74% | No | No | 4 - Verified 2+ Mos |  | 3 - Stated, Partially Verified |  | 3 - Stated, 3rd Party Verification |  | Self-Employed | Not Employed | Retired |  | .00 |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 \|\| Co Borrower \|\| Co Borrower 2 - SSI and Disability, Retirement - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | Borrower - 2023, 2024 \|\| Co Borrower \|\| Co Borrower 2 - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 04/25/2024 | 04/25/2024 | 04/25/2024 | 05/28/2024 |  | 735 | 0 | 837 |
| XXXX | 341791 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/03/2024 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.999% | 7.999% | $4050.00 | Yes | 18.000% | $7625.28 | $635.44 | $1310.04 | $109.17 | $0.00 | $0.00 | $0.00 | $4794.61 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.095 | 0.78 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 06/06/2024 | 06/06/2024 |  |  |  | 801 |  |  |
| XXXX | 345989 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/18/2024 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.375% | 9.375% | $3310.55 | Yes | 18.000% | $8028.96 | $669.08 | $2929.92 | $244.16 | $0.00 | $0.00 | $0.00 | $4223.79 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.758 | 0.758 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 06/03/2024 | 06/03/2024 |  |  |  | 710 |  |  |
| XXXX | 392683 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 08/21/2024 | 11 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $1549.55 | Yes | 18.000% | $2762.04 | $230.17 | $1019.28 | $84.94 | $0.00 | $0.00 | $0.00 | $1864.66 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.609 | 1.6 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 06/20/2024 | 06/20/2024 |  |  |  | 714 |  |  |
| XXXX | 392687 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/03/2024 | 5 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 20069 | 07/01/2024 | 6.860% |  |  | No | 7.721% |  | 7.500% |  | $6852.30 | No |  | $5987.04 | $498.92 | $2522.04 | $210.17 | $0.00 | $0.00 | $0.00 | $7561.39 | $14118.04 | N/A |  |  | $0.00 |  |  | 0.00% | 44.94% | 44.94% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 52.09% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Wage, SEPartnership - CPA Letter Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - 2024, 2023 | Borrower - 2024 - 2024 \|\| Co Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 06/29/2024 | 06/29/2024 | 06/29/2024 |  |  | 675 |  |  |
| XXXX | 412052 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.125% |  | $3341.24 | Yes | 18.000% | $4235.04 | $352.92 | $1481.04 | $123.42 | $0.00 | $0.00 | $0.00 | $3817.58 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.153 | 1.15 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 09/13/2024 | 09/13/2024 |  |  |  | 681 |  |  |
| XXXX | 438356 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.375% |  | $1106.23 | Yes | 18.000% | $2058.72 | $171.56 | $1412.04 | $117.67 | $0.00 | $0.00 | $0.00 | $1395.46 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.111 | 1.11 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 08/08/2024 | 08/08/2024 | 08/08/2024 |  |  | 634 |  |  |
| XXXX | 446379 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $1515.26 | Yes | 18.000% | $2560.68 | $213.39 | $1677.72 | $139.81 | $0.00 | $0.00 | $0.00 | $1868.46 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.097 | 1.09 |  | Borrower - N/A | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/17/2024 | 10/17/2024 |  |  |  | 770 |  |  |
| XXXX | 446383 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | $4560.43 | Yes | 18.000% | $15999.96 | $1333.33 | $2415.00 | $201.25 | $5568.00 | $464.00 | $0.00 | $6559.01 | $15319.70 | N/A | XXXX | XX | $464.00 |  | Monthly | 0.00% | 41.05% | 41.05% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/14/2024 | 10/14/2024 |  |  |  | 702 |  |  |
| XXXX | 448610 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 12419 | 11/04/2024 | 6.730% |  |  | No | 7.419% |  | 6.999% |  | $2195.28 | No |  | $5776.08 | $481.34 | $2304.12 | $192.01 | $500.04 | $41.67 | $0.00 | $2910.30 | $2801.70 | N/A | XXXX | XX | $41.67 |  | Annually | 0.00% | 51.16% | 51.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/28/2024 | 09/28/2024 |  |  |  | 791 |  |  |
| XXXX | 468766 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 5136.5 | 10/28/2024 | 6.590% |  |  | No | 7.564% |  | 7.375% |  | $1056.73 | No |  | $3828.84 | $319.07 | $1410.96 | $117.58 | $0.00 | $0.00 | $0.00 | $1493.38 | $7735.17 | N/A |  |  | $0.00 |  |  | 0.00% | 23.75% | 23.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/23/2024 | 10/23/2024 |  |  |  | 765 |  |  |
| XXXX | 468769 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 19328.38 | 10/21/2024 | 6.400% |  |  | No | 9.362% |  | 8.999% |  | $5973.79 | No |  | $10312.56 | $859.38 | $1719.00 | $143.25 | $0.00 | $0.00 | $0.00 | $6976.42 | $54198.01 | N/A |  |  | $0.00 |  |  | 0.00% | 25.02% | 25.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/18/2024 | 09/18/2024 |  |  |  | 752 |  |  |
| XXXX | 470213 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.625% |  | $1866.70 | No |  | $3187.20 | $265.60 | $801.96 | $66.83 | $0.00 | $0.00 | $0.00 | $2199.13 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.137 | 1.13 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/25/2024 | 10/25/2024 |  |  |  | 625 |  |  |
| XXXX | 470215 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 10274 | 11/04/2024 | 6.730% |  |  | No | 8.234% |  | 7.999% |  | $3873.91 | No |  | $5979.48 | $498.29 | $3057.12 | $254.76 | $800.04 | $66.67 | $0.00 | $4693.63 | $5689.55 | N/A | XXXX | XX | $66.67 | 01/01/2025 | Annually | 0.00% | 50.82% | 50.82% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 50.96% | 0.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage, SESoleProprietor - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 \|\| Co Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/06/2024 | 11/06/2024 | 11/06/2024 |  |  | 686 |  |  |
| XXXX | 470216 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 4931.65 | 12/02/2024 | 6.760% |  |  | No | 8.564% |  | 8.375% |  | $2460.85 | No |  | $1712.40 | $142.70 | $1310.04 | $109.17 | $0.00 | $0.00 | $0.00 | $2712.72 | $19523.68 | N/A |  |  | $0.00 |  |  | 0.00% | 41.49% | 41.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/16/2024 | 10/16/2024 |  |  |  | 730 |  |  |
| XXXX | 470218 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | $859.69 | No |  | $941.64 | $78.47 | $1173.60 | $97.80 | $0.00 | $0.00 | $0.00 | $1035.96 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.207 | 1.2 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/06/2024 | 11/06/2024 |  |  |  | 777 |  |  |
| XXXX | 470219 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2144 | 11/25/2024 | 6.880% |  |  | No | 8.364% |  | 8.250% |  | $1742.94 | No |  | $3545.52 | $295.46 | $1212.96 | $101.08 | $0.00 | $0.00 | $0.00 | $2139.48 | $12442.15 | N/A |  |  | $0.00 |  |  | 0.00% | 38.19% | 38.19% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/11/2024 | 11/11/2024 |  |  |  | 715 |  |  |
| XXXX | 471049 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 08/02/2024 | 8 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4072.52 | 10/28/2024 | 6.590% |  |  | No | 8.318% |  | 7.875% |  | $811.57 | No |  | $361.92 | $30.16 | $1280.76 | $106.73 | $6960.00 | $580.00 | $0.00 | $1528.46 | $3556.54 | Yes | XXXX | XX | $580.00 |  | Monthly | 0.00% | 35.16% | 35.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/28/2024 | 10/28/2024 |  |  |  | 798 |  |  |
| XXXX | 471051 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 10804.28 | 11/04/2024 | 6.730% |  |  | No | 8.543% |  | 8.125% |  | $2254.79 | No |  | $8930.76 | $744.23 | $1602.96 | $133.58 | $0.00 | $0.00 | $0.00 | $3132.60 | $10291.40 | N/A |  |  | $0.00 |  |  | 0.00% | 24.22% | 24.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | N/A | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 11/12/2024 | 11/12/2024 |  |  |  | 709 |  |  |
| XXXX | 471052 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | APOR Threshold | 4297.75 | 11/25/2024 | 6.880% |  |  | No | 11.011% |  | 10.500% |  | $1308.08 | No |  | $878.64 | $73.22 | $1065.48 | $88.79 | $4152.00 | $346.00 | $0.00 | $1816.09 | $3683.58 | Yes | XXXX | XX | $346.00 |  | Monthly | 0.00% | 47.86% | 47.86% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Commission, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2024, 2023, 2022 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - 2024, 2023, 2022 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2023, 2022 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2023, 2022 | XXXX | XXXX | XX | XXXX | XXXX | 11/04/2024 | 11/04/2024 | 11/04/2024 |  |  | 606 |  |  |
| XXXX | 472321 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 15875 | 10/28/2024 | 6.590% |  |  | No | 9.572% |  | 9.250% |  | $4894.92 | No |  | $5425.08 | $452.09 | $3206.04 | $267.17 | $0.00 | $0.00 | $0.00 | $5614.18 | $6920.04 | N/A |  |  | $0.00 |  |  | 0.00% | 48.38% | 48.38% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - 2024, 2023 \|\| Co Borrower | Borrower - 2024, 2023 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/25/2024 | 10/25/2024 | 10/25/2024 |  |  | 649 |  |  |
| XXXX | 501842 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9194 | 11/25/2024 | 6.880% |  |  | No | 7.596% |  | 7.375% |  | $3453.38 | No |  | $11732.28 | $977.69 | $2999.04 | $249.92 | $0.00 | $0.00 | $0.00 | $4680.99 | $18727.01 | N/A |  | XX | $0.00 |  |  | 0.00% | 46.09% | 46.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 14 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/22/2024 | 10/22/2024 |  |  |  | 753 |  |  |
| XXXX | 501843 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | $1610.59 | Yes | 18.000% | $7405.80 | $617.15 | $839.28 | $69.94 | $0.00 | $0.00 | $0.00 | $2297.68 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.001 | 1 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/25/2024 | 10/25/2024 |  |  |  | 651 |  |  |
| XXXX | 501844 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $4484.38 | Yes | 18.000% | $12566.52 | $1047.21 | $2456.04 | $204.67 | $0.00 | $0.00 | $0.00 | $5736.26 | $16231.92 | N/A |  |  | $0.00 |  |  | 0.00% | 49.11% | 49.11% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SEPartnership, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/28/2024 | 10/28/2024 |  |  |  | 781 |  |  |
| XXXX | 501845 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | QM Points and Fees Exceeded | 13593.25 | 11/18/2024 | 6.830% |  |  | No | 8.413% |  | 7.999% |  | $2889.29 | No |  | $3661.68 | $305.14 | $1713.12 | $142.76 | $0.00 | $0.00 | $0.00 | $3337.19 | $3338.92 | N/A |  |  | $0.00 |  |  | 0.00% | 49.99% | 49.99% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - 2023, 2024 \|\| Co Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/19/2024 | 11/19/2024 | 11/19/2024 |  |  | 667 |  |  |
| XXXX | 501846 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1091.48 | Yes | 18.000% | $951.60 | $79.30 | $1197.00 | $99.75 | $0.00 | $0.00 | $0.00 | $1270.53 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.476 | 1.47 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/02/2024 | 12/02/2024 |  |  |  | 787 |  |  |
| XXXX | 501847 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | $1041.97 | Yes | 18.000% | $632.64 | $52.72 | $1077.00 | $89.75 | $0.00 | $0.00 | $0.00 | $1184.44 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.477 | 1.47 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 501848 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | APOR Threshold | 10384.5 | 12/16/2024 | 6.630% |  |  | No | 9.601% |  | 9.125% |  | $2175.65 | No |  | $7419.96 | $618.33 | $3583.68 | $298.64 | $0.00 | $0.00 | $0.00 | $3092.62 | $22479.38 | N/A |  |  | $0.00 |  |  | 0.00% | 20.88% | 20.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/08/2024 | 12/08/2024 |  |  |  | 632 |  |  |
| XXXX | 501849 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.999% |  | $3022.82 | No |  | $3927.24 | $327.27 | $1197.36 | $99.78 | $0.00 | $0.00 | $0.00 | $3449.87 | $461453.70 | N/A |  |  | $0.00 |  |  | 0.00% | 4.76% | 4.76% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/18/2024 | 10/18/2024 |  |  |  | 799 |  |  |
| XXXX | 503339 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | $2133.73 | Yes | 18.000% | $2265.24 | $188.77 | $1867.80 | $155.65 | $0.00 | $0.00 | $0.00 | $2478.15 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.326 | 1.32 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/10/2024 | 12/10/2024 |  |  |  | 735 |  |  |
| XXXX | 503340 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 12637 | 12/30/2024 | 6.900% |  |  | No | 10.149% |  | 9.875% |  | $4751.60 | No |  | $4140.96 | $345.08 | $2163.96 | $180.33 | $480.00 | $40.00 | $0.00 | $5317.01 | $6896.11 | N/A | XXXX | XX | $40.00 | 02/01/2025 | Monthly | 0.00% | 44.44% | 44.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, SESoleProprietor - Personal Bank Statements Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/08/2025 | 01/08/2025 |  |  |  | 708 |  |  |
| XXXX | 503341 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13358 | 12/16/2024 | 6.630% |  |  | No | 8.068% |  | 7.999% |  | $3803.47 | No |  | $2737.92 | $228.16 | $3159.96 | $263.33 | $0.00 | $0.00 | $0.00 | $4294.96 | $29271.55 | N/A |  |  | $0.00 |  |  | 0.00% | 27.75% | 27.75% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/16/2024 | 12/16/2024 | 12/16/2024 |  |  | 751 |  |  |
| XXXX | 503342 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6964 | 12/23/2024 | 6.770% |  |  | No | 8.118% |  | 7.750% |  | $1776.70 | No |  | $4269.84 | $355.82 | $1722.00 | $143.50 | $275.04 | $22.92 | $0.00 | $2298.94 | $6578.06 | N/A | XXXX | XX | $22.92 | 03/01/2025 | Annually | 0.00% | 36.54% | 36.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | N/A | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/18/2024 | 12/18/2024 |  |  |  | 769 |  |  |
| XXXX | 503343 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12.05.2024.1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | $797.58 | Yes | 18.000% | $488.16 | $40.68 | $341.04 | $28.42 | $2580.00 | $215.00 | $0.00 | $1081.68 |  | Yes | XXXX | XX | $215.00 | 02/15/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.063 | 1.06 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/20/2024 | 12/20/2024 | 12/20/2024 |  |  | 807 |  |  |
| XXXX | 504150 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 5612.75 | 12/16/2024 | 6.630% |  |  | No | 7.644% |  | 7.250% |  | $1125.59 | No |  | $8285.76 | $690.48 | $1394.04 | $116.17 | $549.96 | $45.83 | $0.00 | $1978.07 | $2220.93 | N/A | XXXX | XX | $45.83 |  | Annually | 0.00% | 48.21% | 48.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | N/A | 12 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/19/2024 | 12/19/2024 |  |  |  | 761 |  |  |
| XXXX | 504151 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4734 | 12/30/2024 | 6.900% |  |  | No | 7.842% |  | 7.500% |  | $1062.81 | No |  | $2409.12 | $200.76 | $1052.52 | $87.71 | $0.00 | $0.00 | $0.00 | $1351.28 | $4599.72 | N/A |  |  | $0.00 |  |  | 0.00% | 23.26% | 23.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 72 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/28/2024 | 10/28/2024 |  |  |  | 730 |  |  |
| XXXX | 504152 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $828.81 | Yes | 18.000% | $6417.96 | $534.83 | $1569.96 | $130.83 | $0.00 | $0.00 | $0.00 | $1494.47 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.673 | 1.67 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/10/2024 | 10/10/2024 |  |  |  | 681 |  |  |
| XXXX | 504154 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9991.5 | 12/09/2024 | 6.690% |  |  | No | 7.428% |  | 7.250% |  | $4203.57 | No |  | $7192.56 | $599.38 | $2675.04 | $222.92 | $0.00 | $0.00 | $0.00 | $5025.87 | $9883.91 | N/A |  |  | $0.00 |  |  | 0.00% | 43.80% | 43.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/11/2024 | 12/11/2024 |  |  |  | 810 |  |  |
| XXXX | 504155 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.500% |  | $3113.68 | Yes | 18.000% | $3760.08 | $313.34 | $4873.44 | $406.12 | $0.00 | $0.00 | $0.00 | $3833.14 | $17763.76 | N/A |  |  | $0.00 |  |  | 0.00% | 35.63% | 35.63% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/15/2024 | 11/15/2024 |  |  |  | 639 |  |  |
| XXXX | 506089 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $6293.08 | Yes | 18.000% | $15852.36 | $1321.03 | $3145.68 | $262.14 | $0.00 | $0.00 | $0.00 | $7876.25 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.238 | 1.23 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/19/2024 | 12/19/2024 |  |  |  | 772 |  |  |
| XXXX | 506090 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $1594.21 | No |  | $3689.28 | $307.44 | $1364.76 | $113.73 | $1776.00 | $148.00 | $0.00 | $2163.38 |  | N/A | XXXX | XX | $148.00 | 02/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.063 | 1.06 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/16/2024 | 12/16/2024 |  |  |  | 787 |  |  |
| XXXX | 506091 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | $2202.97 | Yes | 18.000% | $6412.20 | $534.35 | $1650.00 | $137.50 | $500.04 | $41.67 | $0.00 | $2916.49 |  | N/A | XXXX | XX | $41.67 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.933 | 0.93 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/03/2025 | 01/03/2025 |  |  |  | 787 |  |  |
| XXXX | 506092 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.999% |  | $665.24 | Yes | 18.000% | $1497.24 | $124.77 | $1301.04 | $108.42 | $0.00 | $0.00 | $0.00 | $898.43 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.781 | 1.78 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/14/2024 | 11/14/2024 |  |  |  | 686 |  |  |
| XXXX | 506093 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 14404 | 01/06/2025 | 6.890% |  |  | No | 8.882% |  | 8.375% |  | $2493.04 | No |  | $5282.76 | $440.23 | $1899.00 | $158.25 | $0.00 | $0.00 | $0.00 | $3091.52 | $3747.06 | N/A |  |  | $0.00 |  |  | 0.00% | 47.46% | 47.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/17/2024 | 12/17/2024 |  |  |  | 667 |  |  |
| XXXX | 507321 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 9737.75 | 12/30/2024 | 6.900% |  |  | No | 9.287% |  | 8.875% |  | $2327.26 | No |  | $6791.04 | $565.92 | $2663.04 | $221.92 | $0.00 | $0.00 | $0.00 | $3115.10 | $4861.26 | N/A |  |  | $0.00 |  |  | 0.00% | 40.50% | 40.50% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 |  | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified - 2022, 2023, 2024 | Borrower - 2022, 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/06/2024 | 12/06/2024 |  |  |  | 665 |  |  |
| XXXX | 507322 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1694 | 12/30/2024 | 6.900% |  |  | No | 7.677% |  | 7.625% |  | $7481.38 | No |  | $18976.68 | $1581.39 | $4599.00 | $383.25 | $1080.00 | $90.00 | $0.00 | $9536.02 | $37430.77 | N/A | XXXX | XX | $90.00 | 02/01/2025 | Monthly | 0.00% | 22.69% | 22.69% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/25/2024 | 12/25/2024 | 12/25/2024 |  |  | 770 |  |  |
| XXXX | 507323 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.500% |  | $3153.20 | Yes | 18.000% | $9000.84 | $750.07 | $1251.00 | $104.25 | $0.00 | $0.00 | $0.00 | $4007.52 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.836 | 0.83 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/06/2025 | 01/06/2025 |  |  |  | 725 |  |  |
| XXXX | 507324 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | Yes | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.250% |  | $3409.99 | Yes | 18.000% | $5294.28 | $441.19 | $4521.00 | $376.75 | $0.00 | $0.00 | $0.00 | $4227.93 | $13627.52 | N/A |  |  | $0.00 |  |  | 0.00% | 46.64% | 46.64% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/16/2024 | 12/16/2024 |  |  |  | 642 |  |  |
| XXXX | 507325 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $3170.20 | Yes | 18.000% | $8591.28 | $715.94 | $1683.72 | $140.31 | $2460.00 | $205.00 | $0.00 | $4231.45 |  | N/A | XXXX | XX | $205.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.033 | 1.03 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/08/2025 | 01/08/2025 |  |  |  | 783 |  |  |
| XXXX | 507678 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 10975.25 | 11/11/2024 | 6.780% |  |  | No | 8.334% |  | 7.999% |  | $2723.84 | No |  | $2186.76 | $182.23 | $2241.96 | $186.83 | $0.00 | $0.00 | $0.00 | $3092.90 | $12318.37 | N/A |  |  | $0.00 |  |  | 0.00% | 32.24% | 32.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Other REO Net Rental Income(Loss), SESoleProprietor, SESoleProprietor - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/07/2024 | 11/07/2024 |  |  |  | 728 |  |  |
| XXXX | 507679 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.250% |  | $1228.91 | Yes | 18.000% | $736.56 | $61.38 | $3626.76 | $302.23 | $0.00 | $0.00 | $0.00 | $1592.52 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.124 | 1.12 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/19/2024 | 12/19/2024 |  |  |  | 676 |  |  |
| XXXX | 507680 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $10232.64 | No |  | $6096.12 | $508.01 | $27629.04 | $2302.42 | $0.00 | $0.00 | $0.00 | $13043.07 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 2.208 | 2.21 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/28/2024 | 10/28/2024 |  |  |  | 797 |  |  |
| XXXX | 507681 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  | $0.00 | 9.875% |  | $1128.85 | Yes | 18.000% | $5031.24 | $419.27 | $1667.04 | $138.92 | $0.00 | $0.00 | $0.00 | $1687.04 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.008 | 1 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/04/2024 | 11/04/2024 |  |  |  | 638 |  |  |
| XXXX | 507682 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8394 | 12/16/2024 | 6.630% |  |  | No | 7.941% |  | 7.750% |  | $3839.97 | No |  | $4237.44 | $353.12 | $1387.68 | $115.64 | $9876.00 | $823.00 | $0.00 | $5131.73 | $21469.96 | Yes | XXXX | XX | $823.00 | 02/01/2025 | Monthly | 0.00% | 30.24% | 30.24% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 9.88% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 36 | FNMA 1005 |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - Wage, Wage - 2 YRS Personal Tax Returns Verified, null YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, Written VOE Verified - 2022, 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified - 2022, 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/19/2024 | 11/19/2024 |  |  |  | 798 |  |  |
| XXXX | 509253 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 12512 | 01/06/2025 | 6.890% |  |  | No | 9.769% |  | 9.125% |  | $2200.47 | No |  | $4493.76 | $374.48 | $597.72 | $49.81 | $2376.00 | $198.00 | $0.00 | $2822.76 | $21648.87 | N/A | XXXX | XX | $198.00 | 02/01/2025 | Monthly | 0.00% | 15.03% | 15.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/03/2024 | 12/03/2024 |  |  |  | 722 |  |  |
| XXXX | 509254 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | $5541.45 | Yes | 18.000% | $7673.16 | $639.43 | $2724.00 | $227.00 | $0.00 | $0.00 | $0.00 | $6407.88 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.561 | 1.56 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/03/2024 | 12/03/2024 |  |  |  | 750 |  |  |
| XXXX | 509255 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1074.42 | Yes | 18.000% | $4041.72 | $336.81 | $928.56 | $77.38 | $1128.00 | $94.00 | $0.00 | $1582.61 |  | N/A | XXXX | XX | $94.00 | 02/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.264 | 1.26 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/03/2025 | 01/03/2025 |  |  |  | 801 |  |  |
| XXXX | 509256 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1074.42 | Yes | 18.000% | $4041.72 | $336.81 | $928.56 | $77.38 | $1128.00 | $94.00 | $0.00 | $1582.61 |  | N/A | XXXX | XX | $94.00 | 02/01/2024 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.264 | 1.26 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/02/2025 | 01/02/2025 |  |  |  | 801 |  |  |
| XXXX | 509257 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.500% |  | $3413.87 | Yes | 18.000% | $5786.88 | $482.24 | $1517.04 | $126.42 | $1800.00 | $150.00 | $0.00 | $4172.53 |  | N/A | XXXX | XX | $150.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.779 | 0.77 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  | 680 |  |  |
| XXXX | 509258 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1794.12 | Yes | 18.000% | $2306.88 | $192.24 | $630.00 | $52.50 | $0.00 | $0.00 | $0.00 | $2038.86 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.005 | 1 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/06/2025 | 01/06/2025 |  |  |  | 748 |  |  |
| XXXX | 509259 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 33002.75 | 01/20/2025 | 7.070% |  |  | No | 9.254% |  | 8.875% |  | $8664.57 | No |  | $16126.80 | $1343.90 | $2155.08 | $179.59 | $1500.00 | $125.00 | $0.00 | $10313.06 | $21099.94 | N/A | XXXX | XX | $125.00 | 02/24/2025 | Monthly | 0.00% | 37.67% | 37.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/06/2025 | 01/06/2025 |  |  |  | 798 |  |  |
| XXXX | 509260 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 16694 | 01/13/2025 | 6.980% |  |  | No | 7.482% |  | 7.250% |  | $5116.32 | No |  | $8300.76 | $691.73 | $8801.04 | $733.42 | $3651.96 | $304.33 | $0.00 | $6845.80 | $25625.66 | N/A | XXXX | XX | $304.33 | 02/01/2025 | Annually | 0.00% | 42.41% | 42.41% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/10/2025 | 01/10/2025 |  |  |  | 765 |  |  |
| XXXX | 509338 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $1631.72 | Yes | 18.000% | $7805.76 | $650.48 | $699.96 | $58.33 | $0.00 | $0.00 | $0.00 | $2340.53 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.068 | 1.06 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/03/2025 | 01/03/2025 |  |  |  | 752 |  |  |
| XXXX | 510562 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.999% |  | $2918.72 | Yes | 18.000% | $6162.96 | $513.58 | $2492.04 | $207.67 | $0.00 | $0.00 | $0.00 | $3639.97 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.181 | 1.18 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/23/2024 | 10/23/2024 |  |  |  | 721 |  |  |
| XXXX | 510563 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 12631.5 | 12/09/2024 | 6.690% |  |  | No | 7.858% |  | 7.750% |  | $3134.30 | No |  | $915.12 | $76.26 | $2554.08 | $212.84 | $0.00 | $0.00 | $0.00 | $3423.40 | $7508.12 | N/A |  |  | $0.00 |  |  | 0.00% | 31.85% | 31.85% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - Personal Bank Statements Verified - 2024 - 2024 \|\| Co Borrower | Borrower - 2024 - 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/07/2024 | 11/07/2024 | 11/07/2024 |  |  | 767 |  |  |
| XXXX | 510564 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5817.44 | 12/09/2024 | 6.690% |  |  | No | 9.533% |  | 8.999% |  | $1061.60 | No |  | $2316.72 | $193.06 | $1243.92 | $103.66 | $0.00 | $0.00 | $0.00 | $1358.32 | $3644.47 | N/A |  |  | $0.00 |  |  | 0.00% | 46.51% | 46.51% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified - 2022, 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/21/2024 | 10/21/2024 | 10/21/2024 |  |  | 630 |  |  |
| XXXX | 510565 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 12944 | 01/06/2025 | 6.890% |  |  | No | 8.638% |  | 8.375% |  | $4275.41 | No |  | $2333.76 | $194.48 | $7101.96 | $591.83 | $0.00 | $0.00 | $0.00 | $5061.72 | $25855.26 | N/A |  |  | $0.00 |  |  | 0.00% | 43.83% | 43.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/16/2025 | 01/16/2025 |  |  |  | 665 |  |  |
| XXXX | 510566 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | $2690.01 | Yes | 18.000% | $3255.00 | $271.25 | $2491.32 | $207.61 | $0.00 | $0.00 | $0.00 | $3168.87 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.01 | 1 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/10/2024 | 11/10/2024 |  |  |  | 704 |  |  |
| XXXX | 510567 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 20504 | 12/09/2024 | 6.690% |  |  | No | 8.155% |  | 7.875% |  | $5742.55 | No |  | $17302.08 | $1441.84 | $6611.52 | $550.96 | $1260.00 | $105.00 | $0.00 | $7840.35 | $54345.65 | N/A | XXXX | XX | $105.00 | 02/22/2025 | Annually | 0.00% | 13.69% | 13.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/03/2024 | 12/03/2024 |  |  |  | 689 |  |  |
| XXXX | 510568 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.999% |  | $1181.08 | Yes | 18.000% | $3881.76 | $323.48 | $3996.24 | $333.02 | $0.00 | $0.00 | $0.00 | $1837.58 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.007 | 1 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/08/2024 | 12/08/2024 |  |  |  | 791 |  |  |
| XXXX | 510569 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 16694 | 12/30/2024 | 6.900% |  |  | No | 7.277% |  | 7.125% |  | $8084.62 | No |  | $15033.84 | $1252.82 | $3473.04 | $289.42 | $0.00 | $0.00 | $0.00 | $9626.86 | $14632.31 | N/A |  |  | $0.00 |  |  | 0.00% | 40.43% | 40.43% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 46.68% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | Yes | 36 | 25 | Work Number | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - 2023, 2024 \|\| Co Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified - 2023, 2024, 2025 | Borrower - 2023, 2024 \|\| Co Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/14/2024 | 12/14/2024 | 12/14/2024 |  |  | 729 |  |  |
| XXXX | 510570 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 16971.5 | 01/06/2025 | 6.890% |  |  | No | 8.700% |  | 8.500% |  | $5220.92 | No |  | $6727.80 | $560.65 | $10206.60 | $850.55 | $0.00 | $0.00 | $0.00 | $6632.12 | $63005.73 | N/A |  |  | $0.00 |  |  | 0.00% | 13.20% | 13.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 95.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/22/2024 | 11/22/2024 |  |  |  | 666 |  |  |
| XXXX | 512172 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.999% |  | $2770.43 | Yes | 18.000% | $3365.28 | $280.44 | $1026.00 | $85.50 | $3120.00 | $260.00 | $0.00 | $3396.37 |  | Yes | XXXX | XX | $260.00 | 02/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.089 | 1.08 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/21/2024 | 10/21/2024 |  |  |  | 728 |  |  |
| XXXX | 512173 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | $4873.96 | No |  | $10567.80 | $880.65 | $2785.92 | $232.16 | $0.00 | $0.00 | $0.00 | $5986.77 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.902 | 0.9 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/24/2024 | 10/24/2024 |  |  |  | 749 |  |  |
| XXXX | 512174 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | $2490.00 | Yes | 18.000% | $7219.20 | $601.60 | $7789.08 | $649.09 | $0.00 | $0.00 | $0.00 | $3740.69 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.444 | 1.36 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/09/2024 | 12/09/2024 |  |  |  | 661 |  |  |
| XXXX | 512175 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.500% |  | $847.58 | Yes | 18.000% | $1374.12 | $114.51 | $1689.84 | $140.82 | $0.00 | $0.00 | $0.00 | $1102.91 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.224 | 1.22 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/10/2024 | 12/10/2024 |  |  |  | 621 |  |  |
| XXXX | 512176 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 19193.38 | 12/23/2024 | 6.770% |  |  | No | 8.302% |  | 7.875% |  | $3759.48 | No |  | $3778.92 | $314.91 | $1701.00 | $141.75 | $1500.00 | $125.00 | $0.00 | $4341.14 | $10067.49 | N/A | XXXX | XX | $125.00 | 03/01/2025 | Monthly | 0.00% | 37.52% | 37.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/17/2024 | 12/17/2024 |  |  |  | 687 |  |  |
| XXXX | 512177 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | $12708.33 | Yes | 18.000% | $37863.24 | $3155.27 | $6617.04 | $551.42 | $0.00 | $0.00 | $0.00 | $16415.02 | $67168.11 | N/A |  |  | $0.00 |  |  | 0.00% | 38.06% | 38.06% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 99 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/13/2024 | 12/13/2024 |  |  |  | 714 |  |  |
| XXXX | 512178 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $1279.48 | Yes | 18.000% | $1011.72 | $84.31 | $1369.32 | $114.11 | $0.00 | $0.00 | $0.00 | $1477.90 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.252 | 1.25 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/17/2024 | 12/17/2024 | 12/17/2024 |  |  | 754 |  |  |
| XXXX | 512543 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/20/2024 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 17678 | 12/23/2024 | 6.770% |  |  | No | 8.692% |  | 8.500% |  | $8458.05 | No |  | $18128.52 | $1510.71 | $6022.44 | $501.87 | $6204.00 | $517.00 | $0.00 | $10987.63 | $13753.28 | N/A | XXXX | XX | $517.00 | 02/01/2025 | Monthly | 0.00% | 48.60% | 48.60% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024 \|\| Co Borrower | Borrower - 2023, 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/09/2024 | 12/09/2024 | 12/09/2024 |  |  | 688 |  |  |
| XXXX | 513094 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 21589.32 | 01/13/2025 | 6.980% |  |  | No | 8.663% |  | 8.125% |  | $3376.51 | No |  | $2422.44 | $201.87 | $915.96 | $76.33 | $120.00 | $10.00 | $0.00 | $3664.71 | $22956.33 | N/A | XXXX | XX | $10.00 |  | Annually | 0.00% | 18.59% | 18.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 12/17/2024 | 12/17/2024 |  |  |  | 719 |  |  |
| XXXX | 513095 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1463.27 | Yes | 18.000% | $3900.60 | $325.05 | $1277.04 | $106.42 | $0.00 | $0.00 | $0.00 | $1894.74 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.082 | 1.08 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/07/2025 | 01/07/2025 |  |  |  | 798 |  |  |
| XXXX | 513096 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.999% |  | $1544.74 | Yes | 18.000% | $1853.40 | $154.45 | $4669.92 | $389.16 | $0.00 | $0.00 | $0.00 | $2088.35 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.724 | 1.72 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 704 |  |  |
| XXXX | 513097 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 16819 | 01/13/2025 | 6.980% |  |  | No | 7.713% |  | 7.375% |  | $3798.71 | No |  | $5747.76 | $478.98 | $4801.20 | $400.10 | $0.00 | $0.00 | $0.00 | $4677.79 | $40864.04 | N/A |  |  | $0.00 |  |  | 0.00% | 18.14% | 18.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 51.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SEPartnership - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 01/02/2025 | 01/02/2025 |  |  |  | 692 |  |  |
| XXXX | 513098 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.500% |  | $1072.09 | Yes | 18.000% | $3699.84 | $308.32 | $2318.04 | $193.17 | $0.00 | $0.00 | $0.00 | $1573.58 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.398 | 1.39 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/04/2025 | 01/04/2025 | 12/20/2024 |  |  | 684 |  |  |
| XXXX | 513099 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 6317.75 | 01/06/2025 | 6.890% |  |  | No | 9.012% |  | 8.750% |  | $2425.00 | No |  | $4575.84 | $381.32 | $2316.72 | $193.06 | $480.00 | $40.00 | $0.00 | $3039.38 | $3934.75 | N/A | XXXX | XX | $40.00 |  | Monthly | 0.00% | 49.54% | 49.54% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024 \|\| Co Borrower | Borrower - 2023, 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/08/2024 | 10/08/2024 | 10/08/2024 |  |  | 677 |  |  |
| XXXX | 514266 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | $1359.51 | Yes | 18.000% | $811.68 | $67.64 | $816.24 | $68.02 | $6300.00 | $525.00 | $0.00 | $2020.17 |  | Yes | XXXX | XX | $525.00 | 02/28/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.584 | 1.58 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/06/2025 | 01/06/2025 |  |  |  | 763 |  |  |
| XXXX | 514267 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.625% |  | $2460.93 | Yes | 18.000% | $5524.80 | $460.40 | $2660.04 | $221.67 | $0.00 | $0.00 | $0.00 | $3143.00 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.639 | 1.63 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/24/2024 | 10/24/2024 |  |  |  | 681 |  |  |
| XXXX | 514268 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | $1757.29 | Yes | 18.000% | $7591.92 | $632.66 | $2833.44 | $236.12 | $495.00 | $41.25 | $0.00 | $2667.32 |  | N/A | XXXX | XX | $41.25 | 02/28/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.798 | 0.79 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/22/2025 | 01/22/2025 |  |  |  | 756 |  |  |
| XXXX | 514269 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.125% |  | $1985.26 | Yes | 18.000% | $7772.04 | $647.67 | $2697.72 | $224.81 | $534.96 | $44.58 | $0.00 | $2902.32 |  | N/A | XXXX | XX | $44.58 | 02/28/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.798 | 0.79 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/22/2025 | 01/22/2025 |  |  |  | 756 |  |  |
| XXXX | 514270 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 11370.59 | 12/09/2024 | 6.690% |  |  | No | 7.985% |  | 7.625% |  | $2490.56 | No |  | $11486.52 | $957.21 | $1761.00 | $146.75 | $1080.00 | $90.00 | $0.00 | $3684.52 | $66187.09 | N/A | XXXX | XX | $90.00 | 03/01/2025 | Annually | 0.00% | 20.45% | 20.45% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/22/2024 | 11/22/2024 |  |  |  | 754 |  |  |
| XXXX | 514271 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | $10945.04 | Yes | 18.000% | $4296.60 | $358.05 | $2072.64 | $172.72 | $0.00 | $0.00 | $0.00 | $11475.81 | $24168.46 | N/A |  |  | $0.00 |  |  | 0.00% | 39.61% | 39.61% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 90.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/21/2024 | 11/21/2024 |  |  |  | 740 |  |  |
| XXXX | 514272 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $3074.05 | Yes | 18.000% | $9006.00 | $750.50 | $1630.20 | $135.85 | $4200.00 | $350.00 | $0.00 | $4310.40 |  | N/A | XXXX | XX | $350.00 | 03/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.389 | 1.38 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/14/2025 | 01/14/2025 |  |  |  | 735 |  |  |
| XXXX | 514273 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 9104.94 | 01/20/2025 | 7.070% |  |  | No | 10.365% |  | 9.999% |  | $3060.27 | No |  | $4650.00 | $387.50 | $2235.72 | $186.31 | $0.00 | $0.00 | $0.00 | $3634.08 | $24399.78 | N/A |  |  | $0.00 |  |  | 0.00% | 35.81% | 35.81% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/11/2024 | 12/11/2024 |  |  |  | 648 |  |  |
| XXXX | 514274 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $5180.06 | Yes | 18.000% | $4258.92 | $354.91 | $597.96 | $49.83 | $18792.00 | $1566.00 | $0.00 | $7150.80 | $35827.86 | Yes | XXXX | XX | $1566.00 | 02/22/2025 | Monthly | 0.00% | 44.07% | 44.07% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 240 | 26 | Work Number | Yes | 43 | 26 | Work Number | No | 0 | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - 2022, 2023, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - 2022, 2023, 2024 | Borrower - 2022, 2023, 2024 \|\| Co Borrower - 2022, 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/12/2024 | 12/12/2024 | 12/12/2024 |  |  | 776 |  |  |
| XXXX | 516357 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1906.89 | Yes | 18.000% | $3929.52 | $327.46 | $531.00 | $44.25 | $0.00 | $0.00 | $0.00 | $2278.60 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.668 | 1.66 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/11/2024 | 10/11/2024 |  |  |  | 686 |  |  |
| XXXX | 516358 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.250% |  | $1380.45 | Yes | 18.000% | $3829.68 | $319.14 | $6722.52 | $560.21 | $0.00 | $0.00 | $0.00 | $2259.80 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.885 | 1.03 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/02/2024 | 11/02/2024 |  |  |  | 751 |  |  |
| XXXX | 516359 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 11301.5 | 01/20/2025 | 7.070% |  |  | No | 9.109% |  | 8.750% |  | $3023.29 | No |  | $5455.80 | $454.65 | $1043.88 | $86.99 | $5400.00 | $450.00 | $0.00 | $4014.93 | $25607.01 | Yes | XXXX | XX | $450.00 | 03/01/2025 | Monthly | 0.00% | 23.57% | 23.57% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/08/2024 | 11/08/2024 |  |  |  | 648 |  |  |
| XXXX | 516360 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.125% |  | $1603.79 | No |  | $5203.56 | $433.63 | $1420.56 | $118.38 | $0.00 | $0.00 | $0.00 | $2155.80 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.16 | 1.15 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/18/2024 | 11/18/2024 |  |  |  | 784 |  |  |
| XXXX | 516361 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 10769 | 01/06/2025 | 6.890% |  |  | No | 9.167% |  | 8.875% |  | $3610.24 | No |  | $7758.36 | $646.53 | $1197.00 | $99.75 | $0.00 | $0.00 | $0.00 | $4356.52 | $10419.48 | N/A |  |  | $0.00 |  |  | 0.00% | 40.84% | 40.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/21/2024 | 11/21/2024 |  |  |  | 674 |  |  |
| XXXX | 516362 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.250% |  | $1201.11 | Yes | 18.000% | $1403.28 | $116.94 | $810.00 | $67.50 | $0.00 | $0.00 | $0.00 | $1385.55 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.083 | 1.08 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/14/2024 | 11/14/2024 |  |  |  | 728 |  |  |
| XXXX | 516363 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 26344 | 01/06/2025 | 6.890% |  |  | No | 8.656% |  | 8.125% |  | $4306.48 | No |  | $6848.16 | $570.68 | $789.96 | $65.83 | $672.00 | $56.00 | $0.00 | $4998.99 | $5969.43 | N/A | XXXX | XX | $56.00 | 03/01/2025 | Monthly | 0.00% | 48.89% | 48.89% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 12 | 0 | 69.60% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified - 2022, 2023, 2024 \|\| Co Borrower - SESoleProprietor - Personal Bank Statements Verified - 2025, 2024 | Borrower - 2022, 2023, 2024 \|\| Co Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/04/2024 | 12/04/2024 | 12/04/2024 |  |  | 689 |  |  |
| XXXX | 516364 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $1879.49 | Yes | 18.000% | $5491.56 | $457.63 | $1142.04 | $95.17 | $0.00 | $0.00 | $0.00 | $2432.29 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.648 | 0.64 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/25/2024 | 10/25/2024 |  |  |  | 757 |  |  |
| XXXX | 516365 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | $1635.39 | Yes | 18.000% | $6510.24 | $542.52 | $1701.00 | $141.75 | $3300.00 | $275.00 | $0.00 | $2594.66 |  | N/A | XXXX | XX | $275.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 0.848 | 0.84 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |
| XXXX | 516366 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $2971.66 | Yes | 18.000% | $13419.96 | $1118.33 | $1947.96 | $162.33 | $0.00 | $0.00 | $0.00 | $4252.32 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | Yes | 1.058 | 1.05 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/10/2024 | 10/10/2024 |  |  |  | 713 |  |  |
| XXXX | 516367 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Loan Term Exceeds 30 Years | 34139 | 12/30/2024 | 6.900% |  |  | No | 9.227% |  | 8.999% |  | $12651.56 | No |  | $6071.76 | $505.98 | $4914.48 | $409.54 | $3360.00 | $280.00 | $0.00 | $13847.08 | $20455.20 | N/A | XXXX | XX | $280.00 | 02/28/2025 | Monthly | 0.00% | 45.58% | 45.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/03/2024 | 12/03/2024 |  |  |  | 730 |  |  |
| XXXX | 516368 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 13034 | 01/20/2025 | 7.070% |  |  | No | 10.036% |  | 9.750% |  | $4871.41 | No |  | $3691.44 | $307.62 | $1995.00 | $166.25 | $0.00 | $0.00 | $0.00 | $5345.28 | $13610.45 | N/A |  |  | $0.00 |  |  | 0.00% | 40.24% | 40.24% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 73.11% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 36 | 33 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | No | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2022, 2023, 2024 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2022, 2023, 2024 \|\| Co Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/10/2024 | 12/10/2024 | 12/10/2024 |  |  | 714 |  |  |
| XXXX | 516369 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.999% |  | $1128.85 | Yes | 18.000% | $3064.68 | $255.39 | $1714.20 | $142.85 | $0.00 | $0.00 | $0.00 | $1685.77 | $10965.13 | N/A |  |  | $0.00 |  |  | 0.00% | 18.44% | 18.44% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 | 0 | 2+ Months | NA | Yes | 1 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/27/2024 | 11/27/2024 |  |  |  | 797 |  |  |
| XXXX | 553211 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/14/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6367.5 | 03/03/2025 | 6.730% |  |  | No | 7.117% |  | 6.750% |  | $1418.00 | No |  | $6008.88 | $500.74 | $2274.96 | $189.58 | $525.00 | $43.75 | $0.00 | $2152.07 | $8568.18 | N/A | XXXX | XX | $43.75 |  | Annually | 0.00% | 26.14% | 26.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 02/11/2025 | 02/11/2025 |  |  |  | 781 |  |  |
| XXXX | 553298 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/14/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 11595 | 03/03/2025 | 6.070% |  |  | No | 7.533% |  | 6.625% |  | $2194.98 | No |  | $4660.68 | $388.39 | $2703.36 | $225.28 | $0.00 | $0.00 | $0.00 | $2808.65 | $18513.97 | N/A |  |  | $0.00 |  |  | 0.00% | 23.58% | 23.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2023 | Borrower - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 01/22/2025 | 01/22/2025 |  |  |  | 661 |  |  |
| XXXX | 558860 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/14/2025 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9625 | 03/03/2025 | 6.730% |  |  | No | 7.292% |  | 6.999% |  | $2793.99 | No |  | $6999.96 | $583.33 | $2960.04 | $246.67 | $0.00 | $0.00 | $0.00 | $3623.99 | $3980.18 | N/A |  |  | $0.00 |  |  | 0.00% | 48.17% | 48.17% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | Yes | 4 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | Yes | Yes | 2 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 9 | 9 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Primary Residence Rent Income - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 02/13/2025 | 02/13/2025 |  |  |  | 769 |  |  |

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| **Loan ID** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 123309.44 | 24.8 | 123309.44 | 24.8 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0.0 | 608566.17 | 106.6 | No | 50.0 | Unable to Determine | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 812 |  |  |  | 812 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 577462.49 | 76.7 | 577462.49 | 76.7 | No | 51.92 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | 2978.84 | 0.6 | 2978.84 | 0.6 | No | 64.94 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | XXXX | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 38044.68 | 9.0 | 38044.68 | 9.0 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0.0 | 17329.74 | 9.3 | No | 35.11 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 33080.95 | 4.4 | No | 38.81 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 56395.24 | 14.8 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | 2143.98 | 1.5 | 2143.98 | 1.5 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 209780.31 | 112.3 | No | 71.4 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | XXXX | Passport |  |  | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 70124.47 | 10.7 | 70124.47 | 10.7 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 18853.94 | 6.5 | 18853.94 | 6.5 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 42669.26 | 28.6 | 42669.26 | 28.6 | No | 30.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 42200.08 | 6.1 | 42200.08 | 6.1 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 20592.01 | 9.4 | No | 46.97 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | Permanent Resident Alien | Permanent Resident Alien | XXXX | Missing |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 80605.80 | 17.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 44498.09 | 16.4 | 44498.09 | 16.4 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 17737.31 | 17.1 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 39832.32 | 18.6 | 39832.32 | 18.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | XXXX | N/A |  | XXXX | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 44608.27 | 29.2 | 44608.27 | 29.2 | No | 70.0 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | XXXX | Passport |  | XXXX | XXXX |  | XXXX | XXXX | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 41993.90 | 13.4 | 41993.90 | 13.4 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 31094.00 | 17.1 | No | 65.0 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 68576.65 | 12.2 | No | 70.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 19553.26 | 4.2 | 502997.35 | 107.5 | No | 32.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 192251.96 | 83.7 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | 134467.93 | 23.4 | 134467.93 | 23.4 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 544.13 | 0.2 | No | 64.56 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 149449.50 | 117.6 | No | 53.33 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | XXXX | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | XXXX |  | Foreign National |  | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 159562.07 | 134.7 | 159562.07 | 134.7 | No | 71.4 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 54673.37 | 17.7 | 54673.37 | 17.7 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 368093.63 | 106.7 | 368093.63 | 106.7 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34494.23 | 13.9 | 39490.24 | 15.9 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 78218.23 | 14.7 | 78218.23 | 14.7 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 57943.68 | 13.5 | 57943.68 | 13.5 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20875.05 | 9.1 | 20875.05 | 9.1 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 138303.55 | 127.9 | 138303.55 | 127.9 | No | 78.57 | Yes | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 38204.41 | 19.3 | 38204.41 | 19.3 | No | 57.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 36240.23 | 26.8 | No | 50.67 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0.0 | 3730.04 | 2.5 | No | 36.36 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 164277.23 | 32.7 | 164277.23 | 32.7 | No | 60.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 130297.78 | 34.0 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 488869.24 | 62.1 | 488869.24 | 62.1 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 18015.17 | 8.3 | 18015.17 | 8.3 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 25114.57 | 8.6 | 25114.57 | 8.6 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 89143.54 | 99.2 | No | 54.05 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27330.24 | 8.8 | 27330.24 | 8.8 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 2 | 1 | 0 | 0 |  |  |  |  | 2 | 1 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 5600.18 | 1.8 | 5600.18 | 1.8 | No | 65.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 135969.30 | 14.3 | 135969.30 | 14.3 | No | 70.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 253570.07 | 63.3 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | 3112.84 | 0.7 | 13069.42 | 3.1 | No | 69.08 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0.0 | 451733.91 | 106.8 | No | 50.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 79604.76 | 25.7 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 559079.29 | 351.1 | 559079.29 | 351.1 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 665755.71 | 51.0 | No | 62.53 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 57701.51 | 34.2 | No | 54.39 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 209111.33 | 40.8 | 209111.33 | 40.8 | No | 80.0 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 53518.87 | 19.0 | 53518.87 | 19.0 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 754645.27 | 117.8 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 54217.59 | 34.3 | 54217.59 | 34.3 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 54309.31 | 34.3 | 54309.31 | 34.3 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Foreign National | Foreign National | XXXX | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 189262.79 | 45.4 | 189262.79 | 45.4 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 5864.59 | 2.9 | 105957.56 | 52.0 | No | 61.88 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 119411.23 | 11.6 | 119411.23 | 11.6 | No | 90.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 206265.15 | 30.1 | 206265.15 | 30.1 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 39264.50 | 16.8 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 190123.52 | 52.2 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 267526.48 | 78.2 | No | 70.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 99.09 | 0.1 | No | 65.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 181004.61 | 35.8 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 180562.03 | 57.0 | No | 74.2 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 163733.43 | 20.9 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 82404.30 | 44.8 | 82404.30 | 44.8 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 85422.66 | 8.9 | No | 50.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | XXXX | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 88829.87 | 13.4 | No | 70.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 36235.64 | 10.7 | No | 80.0 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | XXXX |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 290530.62 | 48.5 | 290530.62 | 48.5 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 42501.81 | 11.4 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0.0 | 85552.42 | 77.6 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 36757.46 | 8.5 | 36757.46 | 8.5 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | 541811.79 | 33.0 | 541811.79 | 33.0 | No | 67.8 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 185334.31 | 125.4 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 359688.60 | 32.7 | 359688.60 | 32.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 98348.67 | 26.8 | 73626.75 | 20.1 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0.0 | 206997.13 | 109.3 | No | 64.61 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 304295.84 | 145.7 | 304295.84 | 145.7 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 496582.98 | 106.2 | 720745.30 | 154.1 | No | 50.46 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 78965.27 | 50.2 | No | 72.86 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 172714.64 | 56.8 | No | 75.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 53527.07 | 26.5 | No | 75.0 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 145796.91 | 46.4 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 111692.29 | 41.9 | 111692.29 | 41.9 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 134151.53 | 46.2 | 134151.53 | 46.2 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1677053.86 | 455.2 | 1677053.86 | 455.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0.0 | 305728.07 | 26.6 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | XXXX |  |  |  | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | 26892.02 | 6.2 | 26892.02 | 6.2 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 19533.92 | 5.4 | 19533.92 | 5.4 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 169778.78 | 23.7 | 169778.78 | 23.7 | No | 75.0 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 44367.93 | 19.5 | 44367.93 | 19.5 | No | 60.9 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34169.62 | 15.1 | 34169.62 | 15.1 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 111823.65 | 27.9 | 111823.65 | 27.9 | No | 70.0 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | XXXX |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 129515.78 | 60.1 | 129515.78 | 60.1 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | XXXX | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1869.22 | 0.4 | 1869.22 | 0.4 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 37392.09 | 27.0 | No | 78.49 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 133663.79 | 26.7 | 55704.44 | 11.1 | No | 84.69 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 219526.73 | 90.3 | 219526.73 | 90.3 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Foreign National | Foreign National | XXXX | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 124309.48 | 47.9 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 395310.38 | 93.0 | No | 64.89 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 211663.28 | 15.3 | 211663.28 | 15.3 | No | 85.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 33870.60 | 6.3 | 33870.60 | 6.3 | No | 90.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 3176.34 | 2.1 | No | 56.1 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21860.27 | 10.2 | 21860.27 | 10.2 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0.0 | 120720.20 | 43.0 | No | 63.29 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  | XXXX |  |  | XXXX |  |  | XXXX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | XXXX |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 8739.26 | 2.4 | 8739.26 | 2.4 | No | 75.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

---

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 301378 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .1208 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1208 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1667 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 321539 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 335386 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.92 | 51.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 341791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.94 | 64.94 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | XXXX |
| XXXX | 345989 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 392683 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 35.11 | 35.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 392687 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 38.81 | 38.81 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| XXXX | 412052 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 438356 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 446379 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 71.4 | 71.4 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 446383 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 448610 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0227 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0227 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 468766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 30.91 | 30.91 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 468769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 470213 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.97 | 46.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 470215 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 470216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 470218 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 470219 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 471049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 471051 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 471052 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 472321 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 501842 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 32.26 | 32.26 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 501843 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 501844 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 501845 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.56 | 64.56 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 501846 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.33 | 53.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 501847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 71.4 | 71.4 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 501848 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 501849 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 503339 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0405 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0405 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 503340 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 503341 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| XXXX | 503342 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 503343 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 78.57 | 78.57 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 504150 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 57.89 | 57.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 504151 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.67 | 50.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | 504152 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 36.36 | 36.36 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 504154 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 504155 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 506089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 506090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 506091 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 506092 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 54.05 | 54.05 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 506093 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 507321 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 507322 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 507323 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 507324 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.08 | 69.08 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 507325 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 507678 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 507679 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 507680 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 62.53 | 62.53 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 507681 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 54.39 | 54.39 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 507682 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0149 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0149 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 509253 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 509254 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 509255 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 509256 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 509257 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 509258 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 61.88 | 61.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 509259 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 509260 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 509338 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 510562 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 510563 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 510564 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 510565 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 510566 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.2 | 74.2 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 510567 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 510568 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 510569 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 510570 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | 512172 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 512173 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 512174 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 512175 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| XXXX | 512176 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 512177 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 67.8 | 67.8 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 512178 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 512543 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 513094 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 513095 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.61 | 64.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 513096 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 513097 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 50.46 | 50.46 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 513098 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 72.86 | 72.86 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 513099 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 514266 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.1000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1000 | XXXX | High | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | 514267 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 514268 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 514269 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 514270 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 514271 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 514272 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 514273 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 514274 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | 516357 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 60.9 | 60.9 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 516358 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 516359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 516360 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 516361 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 516362 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.49 | 78.49 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 516363 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 84.69 | 84.69 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 516364 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 516365 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 516366 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 64.89 | 64.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 516367 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 516368 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 516369 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 56.1 | 56.1 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 553211 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 553298 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 63.29 | 63.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | XXXX | 1 | XXXX |
| XXXX | 558860 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | NA | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.6

**Exhibit 99.6**

![](tm2517341d1_ex99-6img001.jpg)

![](tm2517341d1_ex99-6img002.jpg)

&nbsp;&nbsp;**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| **data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **15** |

---

SAN 2025-NQM3 Due Diligence Narrative Report Page \| 1 June 04, 2025

![](tm2517341d1_ex99-6img002.jpg)

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![*](tm2517341d1_ex99-6img001.gif) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![*](tm2517341d1_ex99-6img001.gif) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of HomeXpress Mortgage Corp., Clayton conducted an independent third-party pre-securitization due diligence review of 270 residential loans.

Santander Bank, N.A subsequently purchased these loans via reliance letter and selected these loans for the SAN 2025-NQM3 transaction.

The loans referenced in this narrative report were reviewed on a flow loan basis from August of 2024 to February of 2025. 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:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 268 | 99.26% |
| &nbsp;&nbsp;Correspondent Bulk | 1 | 0.37% |
| &nbsp;&nbsp;Retail | 1 | 0.37% |
| &nbsp;&nbsp;**Total** | **270** | **100.00%** |

---

SAN 2025-NQM3 Due Diligence Narrative Report Page \| 2 June 04, 2025

![](tm2517341d1_ex99-6img002.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.

---

| | |
|:---|:---|
| &nbsp;&nbsp; Review scope | &nbsp;&nbsp; # of Files Reviewed |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;270 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;270 |
| &nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;174 |
| &nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;270 |

---

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.

![](tm2517341d1_ex99-6img003.jpg)

SAN 2025-NQM3 Due Diligence Narrative Report Page \| 3 June 04, 2025

![](tm2517341d1_ex99-6img002.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 270 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;▪ Compared
the loan documentation found in the loan file to the origination guidelines;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed
for condo warranty documentatio n, 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;▪ Original
Appraisal Assessment (270 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;▪ Value
Supported Analysis (270 loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU Score

&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;· BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Reconciliations

For further detail please refer to the SAN 2025-NQM3 Valuations Summary Report

SAN 2025-NQM3 Due Diligence Narrative Report Page \| 4 June 04, 2025

![](tm2517341d1_ex99-6img002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 174 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;▪ Tested
for certain applicable federal, state and local high cost and/or anti-predatory laws;

&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;▪ 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;▪ 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.

SAN 2025-NQM3 Due Diligence Narrative Report Page \| 5 June 04, 2025

![](tm2517341d1_ex99-6img002.jpg)

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

<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

SAN 2025-NQM3 Due Diligence Narrative Report Page \| 6 June 04, 2025

![](tm2517341d1_ex99-6img002.jpg)

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 270 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 Santander Bank, N.A, with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 270 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | **#** | **Accuracy %** |
| &nbsp;&nbsp;Borrower DSCR Percent | 5 | 98.15% |
| &nbsp;&nbsp;Cash Reserves | 44 | 83.70% |
| &nbsp;&nbsp;Disbursement Date | 48 | 82.22% |
| &nbsp;&nbsp;Documentation Type | 2 | 99.26% |
| &nbsp;&nbsp;DTI Qualifying (Back) | 4 | 98.52% |
| &nbsp;&nbsp;Loan Purpose | 3 | 98.89% |
| &nbsp;&nbsp;Months Reserves | 44 | 83.70% |
| &nbsp;&nbsp;Number of Units | 4 | 98.52% |
| &nbsp;&nbsp;Original Appraised Value | 11 | 95.93% |
| &nbsp;&nbsp;Product Type | 1 | 99.63% |
| &nbsp;&nbsp;Property Type | 16 | 94.07% |
| &nbsp;&nbsp;Representative Credit Score for Grading | 3 | 98.89% |
| &nbsp;&nbsp;Total Cash Out | 37 | 86.30% |

---

SAN 2025-NQM3 Due Diligence Narrative Report Page \| 7 June 04, 2025

![](tm2517341d1_ex99-6img002.jpg)

**Clayton Due Diligence Results**

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

**<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** | 152 | 1 | 15 | 59 | **227** |
| **Final** | **B** |  | 20 | 13 | 10 | **43** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **152** | **21** | **28** | **69** | **270** |

---

**<u>Initial and Final Overall Loan Grade Results (S&P)</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** | 152 | 1 | 14 | 59 | **226** |
| **Final** | **B** |  | 20 | 14 | 10 | **44** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **152** | **21** | **28** | **69** | **270** |

---

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 | 175 | 1 | 5 | 53 | **234** |
| **Final** | B |  | 30 | 1 | 5 | **36** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **175** | **31** | **6** | **58** | **270** |

---

**<u>Initial and Final Credit Component Grade Results (S&P)</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 | 175 | 1 | 5 | 53 | **234** |
| **Final** | B |  | 30 | 1 | 5 | **36** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **175** | **31** | **6** | **58** | **270** |

---

SAN 2025-NQM3 Due Diligence Narrative Report Page \| 8 June 04, 2025

![](tm2517341d1_ex99-6img002.jpg)

**<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 | 253 |  | 4 | 10 | **267** |
| **Final** | B |  | 2 | 1 |  | **3** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **253** | **2** | **5** | **10** | **270** |

---

**<u>Initial and Final Property Valuation Grade Results (S&P)</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 | 253 |  | 3 | 10 | **266** |
| **Final** | B |  | 2 | 2 |  | **4** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **253** | **2** | **5** | **10** | **270** |

---

**<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 | 145 |  | 19 | 4 | **168** |
| **Final** | B |  | 1 | 3 | 2 | **6** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **145** | **1** | **22** | **6** | **174** |

---

**<u>Initial and Final Regulatory Compliance Grade Results (S&P)</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 | 145 |  | 19 | 4 | **168** |
| **Final** | B |  | 1 | 3 | 2 | **6** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **145** | **1** | **22** | **6** | **174** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (96 loans in pool)

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**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;4. Conditions
Report

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

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

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

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

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

**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

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

C. For each mortgage loan, Clayton examined the
mortgage or deed of trust for evidence of recordation. In lieu of a copy of the mortgage
or deed of trust with recording information, a copy of the mor tgage 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

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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.

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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;▪ 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;▪ %
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;▪ 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;▪ 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;▪ 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;▪ 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)

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

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&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 lo ans 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.

&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.

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&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.

&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.

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**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 |  |

---

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

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

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

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

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

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

**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) |  |

---

SAN 2025-NQM3 Due Diligence Narrative Report Page \| 19 June 04, 2025

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

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

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

**<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.© 2025 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

SAN 2025-NQM3 Due Diligence Narrative Report Page \| 20 June 04, 2025

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SAN 2025-NQM3** |
| **Start - End Dates:** | **8/7/2024 - 2/7/2025** |
| **Deal Loan Count:** | **270** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *270* |
| ***Loans with Conditions:*** | *118* |

---

---

| |
|:---|
| **44 - Total Active Conditions** |
| **44 - Non-Material Conditions** |
| 40 - Credit Review Scope |
| 7 - Category: Ability to Repay/Qualified Mortgage |
| 1 - Category: Application |
| 6 - Category: Assets |
| 10 - Category: Credit/Mtg History |
| 1 - Category: Income/Employment |
| 2 - Category: Insurance |
| 2 - Category: Legal Documents |
| 3 - Category: LTV/CLTV |
| 8 - Category: Terms/Guidelines |
| 3 - Property Valuations Review Scope |
| 1 - Category: Appraisal |
| 2 - Category: Property |
| 1 - Compliance Review Scope |
| 1 - Category: Repayment Ability |
| **158 - Total Satisfied Conditions** |
| 82 - Credit Review Scope |
| 5 - Category: Application |
| 5 - Category: Assets |
| 6 - Category: Credit/Mtg History |
| 1 - Category: DTI |
| 10 - Category: Income/Employment |
| 14 - Category: Insurance |
| 36 - Category: Legal Documents |
| 2 - Category: Terms/Guidelines |
| 3 - Category: Title |
| 15 - Property Valuations Review Scope |
| 4 - Category: Appraisal |
| 1 - Category: FEMA |
| 9 - Category: Property |
| 1 - Category: Value |
| 61 - Compliance Review Scope |
| 10 - Category: Ability to Repay/Qualified Mortgage |
| 1 - Category: Borrower's Interest |
| 1 - Category: Compliance Manual |
| 2 - Category: Documentation |
| 1 - Category: Federal Consumer Protection |
| 2 - Category: RESPA |
| 3 - Category: Right of Rescission |
| 5 - Category: Texas Home Equity |
| 36 - Category: TILA/RESPA Integrated Disclosure |
| **0 - Total Waived Conditions** |
|©2025 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. |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SAN 2025-NQM3** |
| **Start - End Dates:** | **8/7/2024 - 2/7/2025** |
| **Deal Loan Count:** | **270** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *270* |
| ***Loans with Conditions:*** | *118* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 400072696 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 37+ Months positive Mortgage History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 50 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 66+ Months positive Consumer Credit History |
| 400081662 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 668, min is 620.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: File has 14 months in reserves. |
| 400094993 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1817 | Final HUD-1 is incomplete or illegible | No | Provide Final CD or Final XXX. Latest document in the file is Final LE XXX | 1.31.25 Final settlement statement has been uploaded,2.3.25 exception satisfied | 2.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 667 median FICO. Minimum required 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 65% LTV. Max allowed 70%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 37 month clean mortgage history with XXX. Minimum required 12 months. |
| 400072701 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $218,527.08 post close reserves, 129.17 months PITIA; 6 months required reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 credit score; 660 minimum required score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 5.17 years |
| 400081692 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: File has 10 months in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Co-borrower's credit score is 727.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is 0x30. |
| 400081696 | XXXXXX | AR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 763; program minimum 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Per credit report 40 months mortgage rated 0x30; program minimum 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Reserves 118 months; program minimum required 6 months |
| 400088252 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide final HUD 1. | 11.21.2024-Client's response: November 21st 2024, 3:13:44 pmFinal settlement statement has been uploaded, please clear condition.11.21.2024-Clayton's response: Received the Final HUD1, exception satisfied. | 11.21.2024-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.96% LTV < guideline requirement of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 687 qualifying score exceeds 620 requirements<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived in primary residence for 10 months; and prior residence / subject for the past 62 years. |
| 400081706 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 13 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good credit history<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99+ Months positive Consumer Credit History |
| 400088169 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 qualifying credit score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 235 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 221.47 months of reserves in file. |
| 400095061 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 credit score; 620 minimum required score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 9.5 years at the primary residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $16,692.93 post close reserves, 8 months PITIA; 6 months required reserves |
| 400088055 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 707 is 87 points above the 620 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is 10% below the 75% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 92 months PITIA vs 0 months reserves required. |
| 400094915 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 10 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 25 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 718 credit score; 660 minimum required score<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x49 mortgage payment history |
| 400088663 | XXXXXX | 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 | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing VOE dated within 10 days of closing date of XXX for B1/B2. | 10.25.25 Verbal VOEs have been uploaded.10.25.24 exception satisfied | 10.25.24 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $66,881.12, or 33.50 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 29.62% is below guideline maximum of 65% for a Full Doc cash out refinance with a 614 credit score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.16% is below guideline maximum of 50%. |
| 400088663 | XXXXXX | 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 | Texas Home Equity | Satisfied C A | CMPTXHE846 | TX Equity - Closed before later of appl/discl + 12 days | No | Provide TX Equity Notice Concerning Extensions of Credit received by borrower at least 12 days prior to closing. | 10.28.24-Client provided TX Equity Notice Concerning Extensions of Credit dated XXX. Within 12 days of closing. Sent for second review. CN-XXX10.29.24-Provide tracking showing receipt of application dated XXX ON XX by the borrower.10.30.24-The receipt of application OR the disclosure by the borrower MUST be "date of receipt of doc plus 12 days" PRIOR to closing. 11.22.24-Cleint provided LOX and cure check. Sent for second review.-CN-XXX11.25.24-Satisfied-CN-1271 | 11.25.24-Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $66,881.12, or 33.50 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 29.62% is below guideline maximum of 65% for a Full Doc cash out refinance with a 614 credit score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.16% is below guideline maximum of 50%. |
| 400088663 | XXXXXX | 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 | Texas Home Equity | Satisfied C B | CMPTXHE108 | TX Equity - Total fees greater than the allowable cap | No | Provide un-discounted starting rate for review. | 10.28.24 Client provided starting un-discounted rate. Sent for second review. CN-XXX10.29.24-Provide breakdown of fee calculation. Page 761 provides testing but fees do Not match final CD. i.e. Texas Guaranty fee.10.30.24-Client provided Final CD and Fees testing, sent for second review. CN-XXX11.22.24-Exception satisfied per second review with docs received XXX | 11.22.24-Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $66,881.12, or 33.50 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 29.62% is below guideline maximum of 65% for a Full Doc cash out refinance with a 614 credit score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.16% is below guideline maximum of 50%. |
| 400088663 | XXXXXX | 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 | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months housing payment history | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $66,881.12, or 33.50 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 29.62% is below guideline maximum of 65% for a Full Doc cash out refinance with a 614 credit score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.16% is below guideline maximum of 50%. |
| 400088663 | XXXXXX | 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 | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing VOE dated within 10 days of closing date of XXX for B1/B2. | 10.25.25 Verbal VOEs have been uploaded.10.25.24 exception satisfied | 10.25.24 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $66,881.12, or 33.50 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 29.62% is below guideline maximum of 65% for a Full Doc cash out refinance with a 614 credit score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.16% is below guideline maximum of 50%. |
| 400094994 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Subject is a refinance, initial policy in tile dated XXX, Renewal in file dated XXX. | 1.27.2025 Client responded - Ins is active until XXX this was the previous policy, current policy started on XXX good through 2026, the borrower cannot cancel there old policy, per guides the property was covered at closing and new policy after, there is no non effective ins, please clear findings.1.27.2025 Client provided LOE from the insurance company. Exception satisfied | 1.27.2025 Exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6 MONTHS RESERVES REQUIRED. BORROWER HAS 23.21 MONTHS<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV 80%, current LTV 65%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit reports shows no lates reported |
| 400094994 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 1.27.2025 Client responded - final SS uploaded1.27.2025 Client provided the final SS. Exception satisfied | 1.27.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6 MONTHS RESERVES REQUIRED. BORROWER HAS 23.21 MONTHS<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV 80%, current LTV 65%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit reports shows no lates reported |
| 400088192 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6 months reserves required, borrower has 22.63 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maxim LTV 75%, current LTV 65%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 12 months required, 50 months reported |
| 400088167 | XXXXXX | FL | 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 in file. | 12.16.24 Commitment has been uploaded12.16.24 exception satisfied | 12.16.24 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 26 years 8 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 12 months PITIA vs 0 months reserves required.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 32 years 11 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 29.04% is 20.96% below the 50% allowed for the program. |
| 400088099 | XXXXXX | WA | QM: Safe Harbor | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor (APOR); Clayton status is QM Rebuttable Presumption (APOR) due to: Benchmark Date XXX loan has a Test APR of 8.415%; the Benchmark Rate was 6.780%; Variance 1.635%; max allowed is 1.5000%. | 12.19.24 Client response; We accept the determination on this and please clear the exception.12.19.24 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 12.19.24 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 19 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 15 months PITIA is 9 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 712 is 32 points above the 680 FICO required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years 7 months at current job. |
| 400088099 | XXXXXX | WA | QM: Safe Harbor | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 19 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 15 months PITIA is 9 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 712 is 32 points above the 680 FICO required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years 7 months at current job. |
| 400088099 | XXXXXX | WA | QM: Safe Harbor | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Property Valuations | Property | Active C B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | Property is on 12.16 acres which is greater than the maximum XXX allowed per Guidelines. Exception deemed not material to lending decision as Loans secured by properties located on more than ten XXX will be considered provided that the property is not used for agricultural purposes. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 19 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 15 months PITIA is 9 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 712 is 32 points above the 680 FICO required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years 7 months at current job. |
| 400094947 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.5.25 Final settlement statement has been uploaded2.5.25 exception satisfied | 2.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post close reserves are $211,897.80 , or 25.42 months. 6 months required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 5/2012.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 796 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.0. |
| 400095106 | XXXXXX | RI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6.08 years ownership of the primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 credit score; 620 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.52% LTV; 70% maximum LTV<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x38 mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $77,629.45 post close reserves, 32.80 months PITIA; 0 required reserves |
| 400095178 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at primary residence 9.75 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 788 median FICO score. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $150,610.77 funds required to close. Verified $906,448.86 in assets, $282,263.84 liquid with $755,838.09 in reserves. Six months reserves required for 75% LTV. $3,749.39 PITI X6 = $22,496.34.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Verified 52 months clean payment history on primary residence. Minimum required 12 months. |
| 400088193 | XXXXXX | 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 | Texas Home Equity | Satisfied C B | CMPTXHE108 | TX Equity - Total fees greater than the allowable cap | No | Provide undiscounted, stating rate.Max fees allowed $4500.00 (2%). Total fees are $7151.71 (3.179%). Fees exceed allowable by $2651.71 (1.179%). | 12.3.24-Client provided undiscounted , starting rate. Exception satisfied. | 12.3.24- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 642 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $218,192.83 reserves in file or 88.65 months PITI > required guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 132 months with 0x30 Mortgage payment history exceeds guidelines of 12 months |
| 400088062 | XXXXXX | MA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing condo questionnaire completed by HOA | 12.12.2024-Client's response: December 12th 2024, 2:56:55 pmA copy of the condo questionnaire has been uploaded, please clear condition.12.12.2024-Clayton's response: Received the Condo Questionnaire, exception is satisfied. | 12.12.2024-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $84,147.17 post close reserves, 33.75 months PITIA; 3 months required reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 671 credit score; 620 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.30% LTV; 70% maximum LTV<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x24 mortgage payment history |
| 400088216 | XXXXXX | CA | 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 | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Borrower selected Non-Permanent Resident Alien on the Final 1003. Missing required documentation in file to verify citizenship/residency. | 11.19.2024-Client's response: November 19th 2024, 2:12:12 pmfile approved as a ITIN file, so ITIN And gov issued ID is only required.11.19.2024-Clayton's response: Received the ITIN and the state issued ID, exception satisfied. | 11.19.2024-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 19 months PITIA is 13 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 797 is 177 points above the 620 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60% is 30% below the 90% LTV allowed for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 29.93% is 20.07% below the 50% allowed for the program. |
| 400088210 | XXXXXX | TX | 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> - Clayton Comments: 9 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 307+ Months Consumer Credit reporting |
| 400088142 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 5 Months Reserves |
| 400088176 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 12.16.2024 Client responded - Final settlement statement has been uploaded, please clear condition.12.16.2024 Client provided the Final HUD Statement. Exception satisfied | 12.16.2024 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves Required 6 MONTHS , borrower reserves 21.5 MONTHS<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 12 months payment history required, 24 months reported<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of late payments |
| 400088100 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 28 months PITIA is 25 months greater than the 3 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 745 is 125 points above the 620 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is 5% below the 75% LTV allowed for the program. |
| 400088093 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Borrower is a non-permanent resident alien. File contains Work Visa. Missing current passport to complete documentation related to citizenship/residency. | 12.17.2024-Client's response: December 17th 2024, 2:47:06 pmPer guides a govt ID is ok with perm res, please find the DL.12.17.2024-Clayton's response: Received the Driver's License for the borrower, exception satisfied. | 12.17.2024-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $34,057.73 post close reserves, 5.20 months PITIA; 3 months required reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 credit score; 620 minimum required score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x63 mortgage payment history |
| 400088093 | XXXXXX | CT | (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 the appraised value of XXX | 12.17.2024-Client's response: December 17th 2024, 2:47:28 pmPlease find the desk review12.17.2024-Clayton's response: Received the Desk Review supporting the value XXX, exception satisfied. | 12.17.2024-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $34,057.73 post close reserves, 5.20 months PITIA; 3 months required reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 credit score; 620 minimum required score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x63 mortgage payment history |
| 400095175 | XXXXXX | 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 | Missing Cash Out Letter | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 56 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 87+ Months Mortgage History reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates a Good Credit History |
| 400088219 | XXXXXX | UT | 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 | Provide proof of receipt for LEs issued XXX & XXX. Provide proof of receipt for CD issued XXX. | 12.17.24-Client provided proof of receipt via email for CD issued XXX & LEs issued XXX, XXX. Exception satisfied. | 12.17.24-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $58,018.47, or 28.75 months. Reserves not required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 25 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: In profession 4 years. |
| 400088219 | XXXXXX | UT | 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 | Provide proof of receipt for LEs issued XXX & XXX. Provide proof of receipt for CD issued XXX. | 12.17.24-Client provided proof of receipt via email for CD issued XXX & LEs issued XXX, XXX. Exception satisfied. | 12.17.24- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $58,018.47, or 28.75 months. Reserves not required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 25 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: In profession 4 years. |
| 400088219 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | Property Valuations | Property | Active B | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo Questionnaire. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $58,018.47, or 28.75 months. Reserves not required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 25 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: In profession 4 years. |
| 400095140 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.5.25 Please find the final SS for review.2.5.25 exception satisfied | 2.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at the same residence for 30 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 36.05% LTV; max 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 qual score; min 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $11545.37 reserves from cash out: $0 reserves required. |
| 400095127 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 219 months credit history exceeds guidelines. |
| 400088145 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Post close reserves are $10,028.29, or 1.60 months. 3 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline maximum of 80% for a DSCR purchase with a 715 credit score.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 715 exceeds guideline minimum of 660 for a DSCR purchase at 70% LTV. |
| 400088145 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value of XXX. | 12.18.2024 Client responded - CDA supports the value XXX, copy has been uploaded. Please clear condition.12.18.2024 Client sent the CDA supporting the value of XXX. Exception satisfied | 12.8.2024 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline maximum of 80% for a DSCR purchase with a 715 credit score.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 715 exceeds guideline minimum of 660 for a DSCR purchase at 70% LTV. |
| 400088103 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing flood insurance | 12.13.2024 Client responded - Master flood insurance policy has been uploaded, please clear condition.12.13.2024 Client provided the Flood Insurance. Exception satisfied | 12.13.2024 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves of $194,508.71 or 96.25 months. 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 credit score; 620 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.28% LTV; 70% maximum LTV<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x33 mortgage payment history |
| 400088103 | XXXXXX | SC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing condo questionnaire completed by HOA | 12.13.2024 Client responded - A copy of the condo questionnaire has been uploaded, please clear condition.12.13.2024 Client provided the condo questionnaire. Exception satisfied | 12.13.2024 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves of $194,508.71 or 96.25 months. 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 credit score; 620 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 56.28% LTV; 70% maximum LTV<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x33 mortgage payment history |
| 400088059 | XXXXXX | WI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing condo questionnaire completed by HOA | 12.16.2024-Client's response: December 16th 2024, 4:24:01 pmCondo questionnaire has been uploaded, please clear condition.12.16.2024-Clayton's response: Received the Condo Questionnaire, exception satisfied. | 12.16.2024-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 7.67 years at the primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 credit score; 620 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.94% LTV; 70% maximum LTV<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline date 10/2015, reporting 0x30<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $124,541.04 post close reserves, 84.09 months PITIA; 0 required reserves |
| 400094991 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets Cash Reserves $191973.35, 90.81 months reserves, 0 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 57.60% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 800 exceeds the minimum of 620<br>CFCFS2860: Good credit history<br> - Clayton Comments: 6% revolving credit usage |
| 400095054 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 93+ months reserves exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3+ years at current residence.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history. |
| 400095041 | XXXXXX | NC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Missing Lender exception requesting for increased LTV to 71.40% on Cash-out, with the borrowers mid score being less than 665; LTV requirement 70%. Clayton deems this non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $314,874.61 reserves in file or 102.88 months PITI > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 665 qualifying score exceeds 620 requirements<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 24 months with 0x30 consumer credit payment history exceeds guideline requirements. |
| 400094926 | XXXXXX | IL | 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 | CRDTER5518 | Loan fails Homex Minimum Equity requirement | No | Post close equity of XXX does not meet guideline minimum of XXX. Clayton deems this non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.84% is below guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $79,399.40, or 66.17 months. Reserves not required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since 4/18/2022. |
| 400088125 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Assets | Active C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Provide documentation to support 6 months of reserves. | 12.26.2024-Client's response: December 24th 2024, 10:57:14 amCredit exception has been provided for no reserves, please clear condition.12.26.2024-Clayton's response: Upon further review by Sr. Clayton UW, Clayton deems this non-material due to the 75% LTV, 743 credit score, and borrower being a seasoned Real Estate investor. | 12.26.2024-Exception has been deemed non-material and re-graded to a B. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has provided a Letter of Credit Reference from his country of origin.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 743. |
| 400094937 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 730 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $86243.71, 34.08 months reserves, 6 months required<br>CFCFS2860: Good credit history<br> - Clayton Comments: 16% revolving credit usage |
| 400094888 | XXXXXX | GA | 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 | CMPMAN2478 | Missing Legal Documentation | No | Provide clarification regarding subject property county location. Mortgage in file reflects differing counties (XXX). Body of mtg reflects XXX, Notary in XXX. Exhibit A to Mortgage reflects as Fulton. Title work in file supports Fulton County. Detailed tax summary in file supports tax year 2024 paid to Fulton county. | 2.5.25-Client provided Scriveners Affidavit attesting to correct county, exception satisfied. | 2.5.25-exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.36% LTV; 75% maximum LTV<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property 20 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 11.67 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 641 credit score; 600 minimum required score |
| 400094888 | XXXXXX | GA | 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 | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | ROR disbursement date of XXX is prior to the end of rescission period. | 2.21.25-Client provided updated ROR, exception satisfied. | 2.21.25-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.36% LTV; 75% maximum LTV<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property 20 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 11.67 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 641 credit score; 600 minimum required score |
| 400094888 | XXXXXX | GA | 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 | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR disbursement date of XXX is prior to the end of rescission period. | CORRECTION-1.31.25-Client provided CD issued XXX. This CD matches CD in file issued XXX. Provide PCCD with Disbursement date updated/corrected.2.11.25-Sent for second reveiw. CN-XXX.2.12.25-Provide proof of receipt of Final CD issued XXX for second review. CN-XXX.2.21.25-Client provided updated ROR, sent for second review. CN-XXX2.21.25-Per second review CN-XXX , exception satisfied. | 2.21.25-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.36% LTV; 75% maximum LTV<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property 20 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 11.67 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 641 credit score; 600 minimum required score |
| 400094888 | XXXXXX | GA | 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 | CMPTRID3970 | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No | Final CD XXX Loan disclosure section - Partial payments section does not have an option chosen. | 1.31.25-Client provided CD issued XXX. Partial payments section on page 4 is still not completed. Provide PCCD correcting Partial payments section with a selection reflected.2.7.25-Client provided PCCD issued XXX including partial payments section completed. Exception satisfied. | 2.7.25-Exception satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.36% LTV; 75% maximum LTV<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property 20 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 11.67 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 641 credit score; 600 minimum required score |
| 400095023 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at the same residence for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 675 qual score; min 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $103287.89 reserves from cash out: $1523.27\*6= $9139.62 reserves required. |
| 400095102 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 49.44% LTV < guideline requirement of 70%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 84 months with 0x30 consumer credit payment history exceeds guidelines of 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $153,234.94 reserves in file or 76.94 months PITI > required guidelines |
| 400095066 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4.2 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 76 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 125.66 months of reserves in file.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 234 months of 0x30 mortgage history per CBR. |
| 400088260 | XXXXXX | NV | 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> - Clayton Comments: Qualifying FICO of 771 is 71 points above the 700 FICO required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years 3 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 16 months PITIA is 10 months greater than the 6 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 37.60% is 12.40% below the 50% allowed for the program. |
| 400095114 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 245 Months credit history exceeds guidelines.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 22+ months credit history exceeds guidelines. |
| 400088232 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 41+ Months Mortgage History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History |
| 400094990 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $129,097.83, or 89.48 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.81% is below guideline maximum of 75% for a DSCR cash out refinance with a 691 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 691 exceeds guideline minimum of 620 for a DSCR cash out refinance at 69.81% LTV. |
| 400094996 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $119,365.06, or 78.24 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline maximum of 75% for a DSCR with a 691 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 691 exceeds guideline minimum of 620 for a DSCR cash out refinance at 70% LTV. |
| 400094987 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $120,210.86, 77.84 months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 691 and minimum is 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70% and maximum is 75% |
| 400095002 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 78+ Months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 277 months credit history exceeds guidelines. |
| 400095009 | XXXXXX | NC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 months payment history for XXX and addl months from previous primary residence. Credit report shows 11 months reviewed | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below the maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $25963.36, 16.38 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 765 exceeds the minimum of 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 3% of revolving credit usage |
| 400095009 | XXXXXX | NC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Legal Documents | Active B | CRDLGL100 | Legal document incorrect or incomplete | No | Missing final payoff from XXX for HUD-1. HUD-1 and title evidence subject property has a secured lien with XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below the maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $25963.36, 16.38 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 765 exceeds the minimum of 680<br>CFCFS2860: Good credit history<br> - Clayton Comments: 3% of revolving credit usage |
| 400095128 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 26 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 105+ Months positive Consumer Credit History |
| 400095117 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 110 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 765 is 145 points above the 620 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53.13% is 26.87% below the 80% LTV allowed for the program. |
| 400095161 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 1.29.2025 Client responded - Please find the final SS1.29.2025 Client provided the Final HYD. Exception satisfied | 1.29.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 credit score; 660 minimum required score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $32,864.47 or 8.48 months PITI reserves; guidelines require 6 months reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned the primary residence 22.58 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 38 years in the same profession.B2 has 25 years in the same profession. |
| 400095001 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 1.27.2025 Client responded - Final settlement statement has been uploaded, please clear condition.1.27.2025 Client provided the final settlement statement. Exception satisfied | 1.27.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 294+ Months Consumer Credit rreporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 82+ Months Mortgage History reporting |
| 400095067 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 50+ Months positive Mortgage History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 90+ Months positive Consumer Credit reporting |
| 400095004 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Approved exception: Cash to borrower of XXX exceeds guideline maximum of XXX. Credit Exception in the file. Clayton deems this non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $671,950.79, or 51.16 months. 3 months required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 6/2013.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 12 years. |
| 400094992 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV; max 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 638 qual score; min 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 34mo. 0X30 mortgage payment history; 0x30x12 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $26198.39 reserves from cash out; $0 reserves required. |
| 400094868 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $315,011.20, or 32.42 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline maximum of 90% for an Alt Doc purchase with a 702 credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per CPA borrower has been in business since 2018. |
| 400094877 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B | Compliance | Texas Home Equity | Satisfied C B | CMPTXHE108 | TX Equity - Total fees greater than the allowable cap | No | Adjusted Charges $8189.99, Max charges allowed $6240, exceeds by $1949.99. Max charge % 2.000% exceeds by .625%..Fees included in calculation: $174 Recording, $2 Tx Guaranty, $1950 Discount, $3430.02 Origination, $81.19 Credit report, $1595 Underwriting, $99 Admin fee, $175 Doc Prep, $600 Settlement, $75.78 Tax cert, and $8 Recording service fee. | 2.10.25-Client provided lock confirmation. Provide the un-discounted starting rate. 2.18.25-Client provided Par (un-discounted starting rate). Exception satisfied. | 2.18.25- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 27 years 6 months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 13 years at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 173 months PITIA is 167 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 753 is 73 points above the 680 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 36.57% is 13.43% below the 50% allowed for the program. |
| 400094877 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B | Compliance | Texas Home Equity | Satisfied C B | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No | Affidavit of Fair Market Value not signed by lender | 2.10.25-Client provided FMV executed by lender. Satisfied | 2.10.25-Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 27 years 6 months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 13 years at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 173 months PITIA is 167 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 753 is 73 points above the 680 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 36.57% is 13.43% below the 50% allowed for the program. |
| 400094847 | XXXXXX | ID | 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 | Reserves in file of 5.91 months PITI is less than the minimum 6 months PITI reserves required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 38.03% is 4.97% below the 43% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 707; min in 620. |
| 400094891 | XXXXXX | FL | 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 | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing required documentation in file for non-permanent resident. | 1.29.2025 Client responded - A copy of the EAD application, expire EAD card and SSN card has been uploaded, please clear condition.1.29.2025 Client provided - EAD application, An expired EAD card for XXX. All documents cover the guidelines for Non resident alieans. Exception satisfied | 1.29.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years 7 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 5.07% is 44.93% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 671; minimum is 600. |
| 400094891 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing flood insurance in file. | 2.3.2025 Client responded - Copy flood insurance documents has been uploaded, please clear condition.2.3.2025 Client provided the Flood Insurance. Exception satisfied | 2.3.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years 7 months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 5.07% is 44.93% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 671; minimum is 600. |
| 400088155 | XXXXXX | 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> - Clayton Comments: Post close reserves are $89,330.30, or 46.62 months. 6 months required.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since 12/7/2015.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 11/2017. |
| 400094922 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing updated Bank Statement Review and Income Desk Summary from lender to validate use of qualifying income; income review provided reflects income of XXX while borrower was qualified with $XXX mo. 2. Missing evidence departure REO is free/clear and evidence to verify departure REO has no HOI payment. | 2.7.2025 Client responded - Documentation for number 1 and 2 have been uploaded, please clear condition.2.7.2025 Client provided the updated Bank statement review sheet verifying income and verification REO has no HOI payment.Exception satisfied | 2.7.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has owned business for 26 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 653 qual score; min 640. |
| 400094922 | XXXXXX | UT | 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 | Provide proof of reciept for CDs issued XXX & XXX. | 2.6.25-Client provided proof of receipt for CDs issued XXX & XXX. Exception satisfied. | 2.6.25-Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has owned business for 26 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 653 qual score; min 640. |
| 400094922 | XXXXXX | UT | 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 | Provide proof of reciept for CDs issued XXX. | 2.6.25-Client provided proof of receipt for CDs issued XXX & XXX. Exception satisfied. | 2.6.25- Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has owned business for 26 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 653 qual score; min 640. |
| 400094922 | XXXXXX | UT | 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 C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing evidence to verify that borrower has 100% access to funds in business bank statement w/ spouse's name only appearing on statement. | 2.20.25 November bank statement shows a canceled check executed by XXX which shows she has access to the funds in the business account. Borrower responsible for managing office, accounts payable/receivable. XXX owner verified by CPA letter in file. | 2.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has owned business for 26 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 653 qual score; min 640. |
| 400094922 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing evidence departure REO is free/clear and evidence to verify departure REO has no HOI payment. | 2.7.2025 Client responded - A copy of the property profile which shows no mortgages against the property along with a LOE stating there is no HOI for the property has been uploaded, please clear condition.2.7.2025 Client provided evidence the REO has not HOI and is free/clear. Exception satisfied | 2.7.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has owned business for 26 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 653 qual score; min 640. |
| 400094922 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing updated Bank Statement Review and Income Desk Summary from lender to validate use of qualifying income; income review provided reflects income of XXX while borrower was qualified with XXX/mo. | 2.7.2025 Client responded - Correct income worksheet has been uploaded, please clear condition.2.7.2025 Client provided the updated Bank statement review sheet verifying income Exception satisfied | 2.7.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has owned business for 26 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 653 qual score; min 640. |
| 400095150 | XXXXXX | NC | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD1. | 2.3.2025-Client's response: February 3rd 2025, 4:25:11 pmThe final XXX has been uploaded, please clear condition.2.3.2025-Clayton's response: Received the Final HUD1, exception satisfied. | 2.3.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 225+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 17+ years at current residence. |
| 400094965 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Missing credit report for XXX. | 1.27.25 Client provided the Credit report for XXX. Exception satisfied | 1.27.25 Client provided the Credit report for XXX. Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 residing in current residence for 18 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $114467.26 (cash back), 45.81 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds the minimum of 680. |
| 400094965 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH189 | Missing credit report | No | Missing XXX credit report. File contains a credit report invoice and tape value appears to have used her credit score for determining representative credit score | 1.27.2025 Client responded - XXX credit report has been uploaded, please clear condition.1.27.2025 Client provided the Credit report for \XXX. Exception satisfied | 1.27.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 residing in current residence for 18 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $114467.26 (cash back), 45.81 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds the minimum of 680. |
| 400094965 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing documentation supporting monthly rent used for subject property. Rent income inconsistent. Per Appraisal comments and 1007, monthly rent for subject property is XXX. 1003 states XXX. XXX was used for DSCR calculation. | 1.30.2025 Client responded - Uploaded the correct 1003 which shows the rent amount of XXX, please clear condition.1.30.2025 Client provided the 1003 verifying XXX rental income. Exception satisfied | 1.30.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 residing in current residence for 18 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $114467.26 (cash back), 45.81 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds the minimum of 680. |
| 400095077 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 75+ months reserves exceeds guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 204 months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years at current residence. |
| 400095064 | XXXXXX | NH | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 20 years 1 month at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 66 months PITIA is 60 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 777 is 77 points above the 700 FICO required for the program. |
| 400095137 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 121+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 416 months credit history exceeds guidelines. |
| 400095070 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 59+ months cash reserves exceeds guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 178 months credit history exceeds guidelines.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history. |
| 400094969 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Per Letter in file. Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7 Months Reserves<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years and 8 Months at current residence |
| 400095020 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Active C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Assets: 8,036.46 or 1.23 months reserves. Short of 3 month requirement. Clayton deems exception non material / non fatal to the lending decision. FICO 723, 70% LTV, 192 MTG pays with no lates. Borrower does not have any major mortgage related occurrences, collections or charge offs. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of late payments per credit in file in last 12 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: credit shows no history of late payments<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 12 month payment history required, credit supports 99 months |
| 400095020 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 1.31.25 Final settlement statement has been uploaded1.31.25 Exception satisfied | 1.31.25 Exception satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of late payments per credit in file in last 12 months<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: credit shows no history of late payments<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 12 month payment history required, credit supports 99 months |
| 400094959 | XXXXXX | PA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Guidelines require 12 canceled checks for monthly rental payments due to Private Landlord. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 685 exceeds the minimum of 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $103958.95 (cash back $103958.95), 64.45 months reserves, 6 months required |
| 400094959 | XXXXXX | PA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Missing management approval for cash out to exceeds borrower's outlay per seasoning guidelines. Cashout for subject transaction $103958.95. Per HUD from purchase, borrower's outlay was XXX plus construction loan distribution (payoff) of XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 685 exceeds the minimum of 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $103958.95 (cash back $103958.95), 64.45 months reserves, 6 months required |
| 400094953 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV; max 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 qual score; min 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $224526.55 reserves from cash out: $2697.04\*6= $16182.24 reserves required. |
| 400095090 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 726 exceeds the minimum of 720 at 80% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $146175.12, 100.6 months reserves, 6 months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR 1.2560 (Rent XXX / Expenses XXX.) |
| 400094864 | XXXXXX | CA | 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 | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 2.4.25-Client provided List of homeowners counseling within 3 businesss days of application, Satisfied. | 2.4.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 26 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 34+ Months positive Mortgage History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 118+ Months Consumer Credit reporting |
| 400094864 | XXXXXX | 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 | CMPTRID3590 | TRID - At least one LE was delivered on or after the date that a CD was delivered | No | Initial application date is XXX. Earliest LE in file dated XXX. | 1.20.25-Client provided LE issued XXX. Exception satisfied. | 1.20.25-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 26 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 34+ Months positive Mortgage History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 118+ Months Consumer Credit reporting |
| 400094864 | XXXXXX | 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 | Provide proof of receipt of inital CD issued XXX. | 1.31.25-Client provided proof of receipt of CD issued XXX. Exception satisfied. | 1.31.25- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 26 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 34+ Months positive Mortgage History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 118+ Months Consumer Credit reporting |
| 400094864 | XXXXXX | 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 | Provide proof of receipt of inital CD issued XXX. | 1.31.25-Client provided proof of receipt of CD issued XXX. Exception satisfied. | 1.31.25- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 26 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 34+ Months positive Mortgage History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 118+ Months Consumer Credit reporting |
| 400095119 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 759 is 79 points above the 680 FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 4 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 30 months PITIA is 24 months greater than the 6 months reserves required. |
| 400094989 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at the primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 credit score; 620 minimum required score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $121,730.41 post close reserves, 84.70 months PITIA; 0 required reserves |
| 400095048 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C B | A | A | Property Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property Value Not Supported | No | Appraised value of XXX not supported by CU score of 3.9 and Desk Review value of XXX, a -16.67% variance. Value for LTV calculation was reduced to the Desk Review value of XXX. Lender used the lower of the appraised value and CDA, Exception satisfied. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 48 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 75 months PITIA vs 0 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 743 is 123 points above the 620 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 61.20% is 18.80% below the 80% LTV allowed for the program. |
| 400094874 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | Borrower's Interest | Satisfied C A | CMPBI1183 | MD DLLR - NTB Worksheet not signed by borrower | No | Maryland Net Tangible worksheet is not signed by borrower. | 2.5.25-Client provided e-receipt that confirms Loan Est.& Intent were received. State specific form needs to be executed by borrower and provided.2.7.25-Document provided XXX only specified Loan App, Notice if Intent, Loan Estimate to be included in the package,Provide Maryland Net Tangible worksheet e-signed per "State of Maryland an electronic signature is sufficient." Provide the disclosure e-signed. 2.10.25-Client provided Maryland Net XXX Worksheet, E-signed XXX. Satisfied. | 2.10.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7.7 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 717 mid-score per CBR.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 30.2 years employed with XXX.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 350 months of 0x30 consumer credit per CBR<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 111.27 months of reserves in file. |
| 400094964 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 8 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.96% LTV < guideline requirement of 75.%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 qualifying score exceeds 620 requirements |
| 400094940 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 1.30.25 please find the final SS for review.1.30.25 exception satisfied | 1.30.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 53.85% is below guideline maximum of 75% for a DSCR purchase with a 680 credit score.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 2 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 680 exceeds guideline minimum of 620 for a DSCR purchase at 53.85% LTV. |
| 400095120 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Per the appraisal, property is located in flood zone AH. Please provide proof of flood insurance | 2.12.25 Amended appraisal showing this property is not in a flood zone has been uploaded,2.12.25 exception satisfied | 2.12.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Per Credit Letter in file, Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 22 Months Reserves<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50% LTV |
| 400095122 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 80+ Months Consumer Credit reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 11 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History |
| 400095085 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 120 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 140+ Months positive Consumer Credit History<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 63+ Months positive Mortgage History reporting |
| 400095078 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 61+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6+ Years at current residence. |
| 400095118 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 124+ Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 63 Months Mortgage History reporting positive<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 145+ Months positive Consumer Credit reporting |
| 400095146 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 21+ Months cash reserves exceeds guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 285 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history. |
| 400094875 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) 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 | Provide Initial Closing disclosure with proof of receipt at least 3 business days prior to closing . | 2.4.25-Client provided Initial CD issued XXX, e-signed XXX. Satisfied | 2.4.25- Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been XXX of business for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 23.50% LTV; max 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $260985.59 reserves; $2095.05\*6= $12,570.30 reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 85mo. 0X30 mortgage payment history; 0x30x12 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.69% DTI; max 50%. |
| 400094875 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) 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 | Provide Initial Closing disclosure with proof of receipt at least 3 business days prior to closing . | 2.4.25-Client provided Initial CD issued XXX, e-signed XXX. Satisfied | 2.4.25- Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been XXX of business for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 23.50% LTV; max 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $260985.59 reserves; $2095.05\*6= $12,570.30 reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 85mo. 0X30 mortgage payment history; 0x30x12 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.69% DTI; max 50%. |
| 400094875 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD: Missing Initial CD | No | Missing initial cd | (No Data) | 2.4.25-Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been XXX of business for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 23.50% LTV; max 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $260985.59 reserves; $2095.05\*6= $12,570.30 reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 85mo. 0X30 mortgage payment history; 0x30x12 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.69% DTI; max 50%. |
| 400095068 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 727 qualifying score exceeds guideline requirement of 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 288 months with 0x30 consumer credit payment history exceeds guidelines of 24 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $31,998.34 reserves in file or 23.28 months PITI > required guidelines |
| 400095021 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 695 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 68 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 68 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 23.71 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 400095130 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6 Months Reserves required. borrower has 110 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV 80%, current LTV 75%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of late payments |
| 400094936 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 270 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 133 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 32.94 months of reserves in file. |
| 400095018 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Provide Flood Insurance from the HOA. | 2.5.25 Please find the flood ins for review.2.5.25 exception satisfied | 2.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $147,025.70, or 65.54 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.09% is below guideline maximum of 75% for a DSCR cash out refinance with a 680 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit scire of 680 exceeds guideline minimum of 620 for a DSCR cash out refinance at 65.54% LTV. |
| 400095052 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 135 Months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years at current residence. |
| 400095163 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide 10 day VVOE for B1 XXX. Verification in file is dated XXX | 1.30.2025 Client responded - please find the VVOE1.30.2025 Client provided the VVOE within 10 days of closing for B1. Exception satisfied | 1.30.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 credit score; 700 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.12% LTV; 80% maximum LTV<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x62 mortgage payment history |
| 400095163 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing 2023 1065 and K1s for B1 and B2 to complete 2 years. File contains 2022 1065 and 2022 K1s. | 1.30.2025 Client responded - Please find the 1065 for review.1.30.2025 Client provided the 2023 1065 for B1 and B2. Exception satisfied | 1.30.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 credit score; 700 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.12% LTV; 80% maximum LTV<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x62 mortgage payment history |
| 400095163 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Please provide of Final HUD-1. | 1.30.2025 Client responded - please find the final SS for review.1.30.2025 Client provided the Final HUD. Exception satisfied | 1.30.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 credit score; 700 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 76.12% LTV; 80% maximum LTV<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x62 mortgage payment history |
| 400094939 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 240 months with 0x30 consumer credit payment history exceeds guidelines of 24 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $322,201.61 reserves in file or 98.88 months > required guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 698 qualifying score exceeds 620 requirements |
| 400095045 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $142,666.17, or 79.23 months. 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline maximum of 80% for a DSCR cash out refinance with a 786 credit score.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 4/2012. |
| 400094897 | XXXXXX | 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 | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide Confirmation of Receipt of Initial CD issued XXX | 2.4.25-Please re-upload any documents sent. Nothing is reflected as received.2.11.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 2.11.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $15,758.58 or 9.55 months PITI reserves; 0 required reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower owned the departing primary residence 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.07% ltv; 75% maximum ltv |
| 400094897 | XXXXXX | 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 | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide Confirmation of Receipt of Initial CD issued XXX. | 2.4.25-Please re-upload any documents sent. Nothing is reflected as received.2.11.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 2.11.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $15,758.58 or 9.55 months PITI reserves; 0 required reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower owned the departing primary residence 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.07% ltv; 75% maximum ltv |
| 400094887 | XXXXXX | 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> - Clayton Comments: 56.60% LTV < guideline requirement of 65.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current residence for 27 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $46,576.72 reserves in file or 26.11 months PITI > required guidelines |
| 400094934 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $256,951.05, or 101.33 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 21 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 774 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.0. |
| 400094955 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH183 | Credit report incomplete | No | Missing the co-borrower's credit report in file. | 2.3.2025 Client responded - please find the full CR for review.2.03.2025 Client provided the Credit report. Exception satisfied | 3.02.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 mortgage history since 3/2018 per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 97.37 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.08% per review; 75% LTV is maximum allowed per guidelines |
| 400094960 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH183 | Credit report incomplete | No | Missing credit report for B2. | 2.3.25 Credit report showing both borrowers has been uploaded2.4.25 exception satisfied | 2.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 21 years in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 70.00% below program maximum 75.00%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 19 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $306,288.23 or 116.60 months; 6 mos. reserves required. |
| 400094960 | XXXXXX | CA | (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 to support original appraised value XXX. CU score of 4.7 exceeds requirement of 2.5 or less. | 2.3.25 Appraisal desk review which supports the value of the property has been uploaded,2.4.25 exception satisfied | 2.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 21 years in same line of work.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 70.00% below program maximum 75.00%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 19 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $306,288.23 or 116.60 months; 6 mos. reserves required. |
| 400095073 | XXXXXX | WI | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER5518 | Loan fails Homex Minimum Equity requirement | No | Homex Minimum Equity requirement = XXX no met. Clayton deems exception to be non material/non fatal to the lending decision. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 credit score; 680 minimum required score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10.42 years at the primary residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $55,916.26 post close reserves, 54.76 months PITIA; 6 months required reserves |
| 400095073 | XXXXXX | WI | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Please provide corrected UCDP score reflecting correct appraisal amount. UCDP/SSR = XXXAppraised value = XXX | 2.3.2025-Client's response: February 3rd 2025, 4:11:25 pmplease find the UCDP for review.2.3.2025-Clayton's response: Received the UCDP; it has the same appraised value of XXX. The appraisal has a value of $133,000. Exception remains.2.10.2025-Client's response: February 10th 2025, 4:34:34 pmCorrected UCDP uploaded2.10.2025-Clayton's response: Received the UCDP with the correct appraised value, exception satisfied. | 2.3.2025-Exception remains.2.10.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 696 credit score; 680 minimum required score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10.42 years at the primary residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $55,916.26 post close reserves, 54.76 months PITIA; 6 months required reserves |
| 400095038 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline date XXX, reporting 0x30<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $117,516.99 post close reserves, 63.20 months PITIA; 6 months required reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x16 mortgage payment history |
| 400094927 | XXXXXX | TX | 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> - Clayton Comments: $65,002.32 or 82.88 months PITI reserves; 0 required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 657 credit score; 600 minimum required score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at the departure residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 6.92 years in the same profession<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 5.06% DTI; 55% maximum DTI |
| 400095174 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 117+ Months positive Consumer Credit<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45+ Months reporting positive |
| 400094890 | XXXXXX | 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> - Clayton Comments: 40.48% LTV; 65% maximum LTV<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 44.25% dti; 55% maximum dti<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 30 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 25.08 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 credit score; 600 minimum required score |
| 400094967 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 699 is 19 points above the 680 FICO required for the program.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Borrower is reducing the housing expense from XXX to XXX, a 26% reduction.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years. |
| 400095015 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV; max 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 qual score; min 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $161595.73 reserves from cash out; $1430.34\*6= $8582.04 reserves required. |
| 400094861 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) 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 | Earliest application dated by broker is XXX . Initial Homeowners Counseling notice not issued until XXX. | 2.5.25-Client provided attestation from broker XXX (nmls XXX) regarding application date of 12/17/24 being a new and unique application. Exception satisfied. | 2.5.25-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $91,999.14 funds required to close. Verified $168,626.20 in assets with $76,627.06 post-closing reserves. Six months reserves required for loan amount <$2M. $3,973.45 X6 = $23,840.70.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 751 median FICO score. Minimum required 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 30.97% DTI. Max allowed 50%. |
| 400094861 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Earliest application dated by broker is XXX . Initial LE not issued until XXX | 2.5.25-Client provided attestation from broker XXX (nmls XXX) regarding application date of XXX being a new and unique application. Exception satisfied. | 2.5.25-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $91,999.14 funds required to close. Verified $168,626.20 in assets with $76,627.06 post-closing reserves. Six months reserves required for loan amount <$2M. $3,973.45 X6 = $23,840.70.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 751 median FICO score. Minimum required 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 30.97% DTI. Max allowed 50%. |
| 400095168 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $76,955.44 reserves in file or 27.11 months PITI >required guidelines |
| 400095109 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood Dec Page | 2.5.25 please find the flood dec page for review.2.5.25 exception satisfied | 2.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 296+ MOnths Consumer Credit reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 88 Months Reserves |
| 400094966 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing proof of flood insurance in File | 2.3.25 flood ins uploaded.2.3.25 exception satisfied | 2.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 725 exceeds minimum score of 640 for a DSCR purchase with a ratio < 1.0.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has never been 1X30 with history from 2/2014. |
| 400095121 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 credit score; 620 minimum required score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $341,967.46 post close reserves, 380.58 months PITIA; 3 months required reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x32 mortgage payment history |
| 400095086 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final HUD-1. | 2.3.2025-Client's response: February 3rd 2025, 4:30:52 pmFinal settlement statement has been uploaded, please clear condition.2.3.2025-Clayton's response: Received the Final HUD1, exception satisfied. | 2.3.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 29+ months cash reserves exceed guidelines.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history. |
| 400095049 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Missing Final HUD-1. | 1.31.25 please find the final SS for review.2.3.25 exception satisfied | 2.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 23 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x53 mortgage payment history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $34,405.19 post close reserves, 16.48 months PITIA; 0 required reserves.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV; 65% maximum LTV |
| 400095033 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | '-Guidelines require XXX to provide an unexpired XXX. Provide XXX for both borrower. | 1.30.25 per guides borrower can provide govt ID and passport1.30.25 exception satisfied | 1.30.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.56% LTV < guideline requirement of 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 846 qualifying score exceeds 620 requirements |
| 400094963 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.11.2025-Client's response: February 11th 2025, 2:47:58 pmplease find the final SS for review.2.11.2025-Clayton's response: Received the Final HUD1, exception satisfied. | 2.11.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 17+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years at current residence. |
| 400095044 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 64 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99+ Months positive Mortgage History |
| 400094856 | XXXXXX | 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> - Clayton Comments: 700 qualifying credit score per CBR.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 11.9 years employed with XXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years living at primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11.9 years employed with XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.12% LTV per review; 90% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 169 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 13.95 months of reserves in file. |
| 400095165 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 1.31.25 Final settlement statement has been uploaded, 2.3.25 exception satisfied | 2.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS:$111,094.05 or 16.42 months PITI reserves; guidelines require 6 months reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 690 credit score; 660 minimum required score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline date XXX |
| 400095112 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 110 Months positive Consumer Credit reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves exceed Guidelines |
| 400095153 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 35 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 102 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 48.30 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 400095036 | XXXXXX | VA | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing the Operating Agreement for XXX to provide support for using funds in the XXX #XXX. | 2.5.25 operating agreement for XXX is a dba of XXX | 2.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 20 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 34 months PITIA is 28 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 782 is 82 points above the 700 FICO required for the program. |
| 400095179 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6 Months Reserves required, borrower has 194 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Credit report shows no history of late payments<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score 760, borrower score 779 |
| 400094862 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 5 years 3 months in profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 17 months PITIA is 11 months greater than the 6 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 32.49% is 17.51% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 741 is 81 points above the 660 FICO required for the program. |
| 400095028 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $36,414.58 post close reserves, 17.86 months PITIA; 6 months required reserves<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned the primary residence 7.25 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 credit score; 620 minimum required score |
| 400094998 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years 3 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 62.88% below program maximum 80.00%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 17 mos. 0x30 and 92 mos. 0x30. |
| 400095095 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 816 credit score; 620 minimum required score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 5.25 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 42.57% LTV; 70% maximum LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $203,223.67 post close reserves, 81.22 months PITIA; 0 required reserves |
| 400094979 | XXXXXX | MD | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Income/Employment | Active C B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Property is a short term rental. Lender is using the net monthly income of XXX for the DSCR calculation. Credit Exception in file. Clayton deems this non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 43 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 28+ Months positive Mortgage History reporting |
| 400094979 | XXXXXX | MD | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC889 | Income is Not Reasonable | No | Provide complete XXX and XXX printouts showing STR income from January 2024-December 2025 that supports XXX monthly. | 2.10.2025 Client responded - XXX and XXX income reports have been uploaded, please clear condition.2.10.2025 Client provided XXX and XXX income reports verifying STR income for the 2024. Exception Satisfied | 2.10.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 43 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 28+ Months positive Mortgage History reporting |
| 400094979 | XXXXXX | MD | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Please provide missing final HUD 1. | 2.10.25 Final settlement statement has been uploaded,2.11.25 exception satisfied | 2.11.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 43 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 28+ Months positive Mortgage History reporting |
| 400095014 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 808 exceeds the minimum of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 74.94% is below the maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $305916.60, 108.74 months, 6 months reserves required |
| 400094873 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) 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 | Please provide proof of receipt for LE dated XXX | 2.5.25-Client provided proof of receipt for LE issued XXX. Provide proof of receipt for CD issued XXX.2.11.25-Client provided proof of receipt for CD issued XXX., via email on XXX. Satisfied. | 2.11.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in current residence for 3 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 qualifying score exceeds 660 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $807,303.91 Cash reserves in file or 110.11 months PITI > required guidelines |
| 400094873 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) 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 proof of receipt for LE dated XXX. | 2.5.25-Client provided proof of receipt for LE issued XXX. Provide proof of receipt for CD issued XXX.2.11.25-Client provided proof of receipt for CD issued XXX., via email on XXX. Satisfied. | 2.11.25- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived in current residence for 3 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 qualifying score exceeds 660 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $807,303.91 Cash reserves in file or 110.11 months PITI > required guidelines |
| 400095053 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.92% LTV; max 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 692 qual score; min 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $204,958.30 reserves from cash out: $0 reserves required. |
| 400094946 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.7.25 Final settlement statement has been uploaded, 2.10.25 Exception satisfied | 2.10.25 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 45.58 years at the primary residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $59,048.71 post close reserves, 25.64 months PITI; 6 months required reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 credit score; 640 minimum required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x38 mortgage payment history |
| 400094958 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $87,793.74, or 36.17 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline maximum of 75% for a DSCR purchase with a ratio < 1.0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 769 exceeds guideline minimum of 640 for a DSCR purchase with a ratio < 1.0 |
| 400095032 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 287+ months cash reserves exceeds guidelines.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history. |
| 400095031 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6 Months Reserves required. borrower has 281 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of late payments<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 12 months required, credit reports 17 months |
| 400095134 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 656 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 19 months of reserves in file.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 mortgage history since 2/2020 per CBR. |
| 400095071 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing Hazard policy covering loan amount of XXX. or evidence of full replacement coverage. HOI in file reflects coverage of XXX. RCE not evident in file. | 2.18.25 copy of the endorsement showing the additional premium for increasing the coverage has been uploaded,2.19.25 exception satisfied | 2.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 29+ years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $29,042.60 reserves in file or 22.09 months PITI > required guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: 456 months with 0x30 consumer credit payment history exceeds guidelines of 24 months. |
| 400095071 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | Provide title commitment that has XXX a policy amount. | 2.5.25 Amended 1st page of the commitment showing the policy amount of XXX has been uploaded, 2.5.25 exception satisfied | 2.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 29+ years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $29,042.60 reserves in file or 22.09 months PITI > required guidelines<br>CFCFS2860: Good credit history<br> - Clayton Comments: 456 months with 0x30 consumer credit payment history exceeds guidelines of 24 months. |
| 400094971 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 799 is 119 points above the 680 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 74.89% is 5.11% below the 80% LTV allowed for the program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower is 0x30 on all accounts for the past 10 years reviewed. |
| 400095006 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7+ months reserves exceeds guidelines.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history. |
| 400094923 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing condo questionnaire completed by HOA | 2.3.25 Condo questionnaire has been uploaded2.4.25 Exception satisfied | 2.4.25 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $93,407.63 or 53.69 months PITI reserves; guidelines require 6 months reserves.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.27% LTV; 65% maximum LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 credit score; 600 minimum required score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.48% DTI; 55% maximum DTI |
| 400095152 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4.4 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 83 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 52 months of 0x30 mortgage history per CBR. |
| 400094901 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor (APOR); Clayton status is QM Rebuttable Presumption (APOR) due to: Benchmark Date XXX; loan has a Test APR of 8.554%; the Benchmark Rate was 6.900%; Variance 1.654%; max allowed is 1.5000%. | 2.5.25Client response; We accept the determination on this and please clear the exception.2.6.25 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 2.6.25 Clayton memo; exception satisfied; | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 15 years 1 month at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 24 years 4 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 13 months PITIA is 7 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 724 is 44 points above the 680 FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years 1 month at current residence. |
| 400094901 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) 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 | Provide proof of receipt for initial CD at least 3 business days prior to closing. | 2.3.25-Client provided CD issued XXX, e-signed XXX; satisfied. | 2.3.25-satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 15 years 1 month at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 24 years 4 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 13 months PITIA is 7 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 724 is 44 points above the 680 FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years 1 month at current residence. |
| 400094901 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) 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 | Provide proof of receipt for initial CD at least 3 business days prior to closing. | 2.3.25-Client provided CD issued XXX, e-signed XXX; satisfied. | 2.3.25-satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 15 years 1 month at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 24 years 4 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 13 months PITIA is 7 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 724 is 44 points above the 680 FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years 1 month at current residence. |
| 400094901 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 15 years 1 month at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 24 years 4 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 13 months PITIA is 7 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 724 is 44 points above the 680 FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years 1 month at current residence. |
| 400095034 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 2+ months reserves exceeds guidelines. |
| 400095172 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing B2's December 2023 business bank statement from XXX and Trust #XXX. 12 months required, 11 months in file. | 1.30.2025 Client responded - A copy of the bank statement from 12/2023 has been uploaded, please clear condition.1.30.2023 Client provided a Bank statement from loan number XXX. Please resend the requested bank statement for loan number XXX. Exception remains1.30.2025 After further review, the client did send the correct Bank statement for acct XXX for the monthe of December 2023. This gives 12 months of bank statements required by guidelines. Exception satisfied | 1.30.2025 Exception remains1.30.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 138 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 106 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 41.30 months of reserves in file. |
| 400095172 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Active B | PRVAAPPR235 | Appraisal over 6 months old | No | Appraisal date is XXX, loan closed XXX, exceeds 6 month tolerance. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 138 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 106 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 41.30 months of reserves in file. |
| 400095149 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5.7 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 75 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 27.51 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.14% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 400094863 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | C | A D | 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 | Provide proof of receipt of Inital CD issued XXX. | 2.4.25-Client provided e-receipt proof of CD issued XXX. receipt date XXX. Satisfied. | 2.4.25- Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 46+ Months positive reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 437 Months Consumer Credit reporting |
| 400094863 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt of Inital CD issued XXX | 2.4.25-Client provided e-receipt proof of CD issued XXX. receipt date XXX. Satisfied. | 2.4.25-Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 46+ Months positive reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 437 Months Consumer Credit reporting |
| 400094863 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | C | A D | C | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing Flood Declarations Page | 2.3.25 Copy of the flood declaration page has been uploaded, 2.4.25 exception satisfied | 2.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 46+ Months positive reporting<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 437 Months Consumer Credit reporting |
| 400094870 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, Clayton status is QM Rebuttable APOR due to: Benchmark Date XXX, loan has a Test APR of 8.653%, the Benchmark Rate was 6.980%, Variance 1.673%, max allowed is 1.500%. | 1.31.25 Client response; We accept the determination on this and please clear the exception.1.31.25 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 1.31.25 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $303,369.22, or 64.66 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.16% is below guideline maximum of 50%. |
| 400094870 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $303,369.22, or 64.66 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 41.16% is below guideline maximum of 50%. |
| 400095039 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 14 months PITIA is 8 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 776 is 56 points above the 720 FICO required for the program.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower is 0x30 on all accounts for the past 10 years reviewed. |
| 400095056 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD-1 | 1.31.25 please find the final SS for review.2.3.25 exception satisfied | 2.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 74 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Post closing reserves $189,191.56, 24.46 months, 6 months required. |
| 400095151 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing verification of rent on the primary residence to verify the housing history. | 2.7.25 please find the last 12 month vom2.10.25 exception satisfied | 2.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 38.64% is 41.46% below the 80% LTV allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 708 is 88 points above the 620 FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence. |
| 400095088 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $83,837.03, or 12.79 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline maximum of 80% for a DSCR purchase with a 778 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 778 exceeds guideline minimum of 680 for a DSCR purchase at 75% LTV. |
| 400095040 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $131,361.27 post close reserves, 78.52 months PITIA; 0 required reserves<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50% LTV; 70% maximum LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 credit score; 620 minimum required score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 18.08 years |
| 400095082 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $13,966.69 reserves in file; 5.71 months PITIA. Required reserves $2,445.20 x 3 = $7,335.60.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 years 9 months at current residence |
| 400095176 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 28.28% is 21.72% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 690 is 30 points above the 660 FICO required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 13 years at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 13 years at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 94 months PITIA is 88 months greater than the 6 months reserves required. |
| 400094948 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 2.5.25 Final settlement statement has been uploaded2.6.25 exception satisfied | 2.6.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV; max 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 qual score; min 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $99654.84 reserves; $3904.20\*6= $23425.20 reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 42mo. 0X30 mortgage payment history; 0x30x12 required. |
| 400095080 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 8+ years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $39,000.81 reserves in file or 22.36 months PITI > required guidelines |
| 400094916 | XXXXXX | CA | 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> - Clayton Comments: Post close reserves are $295,290.93, or 34.52 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.47% is below guideline maximum of 80% for an Alt Doc cash out refinance with a 707 credit score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 46.11% is below guideline maximum of 55%. |
| 400094983 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 1.29.25 Please find the final SS for review.1.30.25 Exception satisfied | 1.30.25 Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV per review; 70% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 624 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 297 months of 0x30 mortgage history per CBR. |
| 400094997 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $284,169.23 post closing reserves, 131 Months PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 721 exceeds 620 requirement<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences |
| 400094932 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | HUD1 shows third party deposit of XXX. Provide documentation of these funds. | 2.3.2025-Client's response: January 31st 2025, 4:34:00 pmXXX account ending in XXX was used for XXX, here is statement and wire.2.3.2025-Clayton's response: Received the wire and XXX statement; exception satisfied. | 2.3.2025-Excepton satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 25 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 qualifying score exceeds 620 requirements<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.80% LTV < guideline requirement of 85% |
| 400094928 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | Federal Consumer Protection | Satisfied C A | CMPFDCP3208 | NMLS License verification found Loan Originator was inactive at time of origination | No | NMLS for the Broker was inactive to conduct business for the State of Maryland. | 3.4.25 XXX is a subsidiary of XXX and, therefore, most if not all XXXs are exempt from licensing. They are registered. XXX has some licensing in the NMLS, but it is all exempt registration related. | 3.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 22.34% is below the maximum of 43%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 703 exceeds the minimum of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 27.32% is below the maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $139391.63, 90.03 months reserves, 0 months required |
| 400094872 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing evidence of Flood Insurance coverage in file. | 1.31.25 Please find the flood for review.2.3.25 exception satisfied | 2.3.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8 years employed with XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 91 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 72.35 months of reserves in file. |
| 400094925 | XXXXXX | 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 | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR "midnight of date" is XXX and loan disbursed on XXX per final CD. Provide PCCD correcting disbursement date (cash to close & closing cost if applicable). | 2.12.25-Client provided PCCD issued XXX. Exception satisfied. | 2.12.25-satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 22 years 11 months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16 years 9 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 58 months PITIA vs 0 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 36.82% is 13.18% below the 50% allowed for the program. |
| 400094925 | XXXXXX | 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 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 | Please provide proof of receipt for CD issued XXX & XXX | 2.12.25-Client provided CD issued XXX, e-signed XXX & PCCD issued XXX. Exception satisfied. | 2.12.25-Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 22 years 11 months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16 years 9 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 58 months PITIA vs 0 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 36.82% is 13.18% below the 50% allowed for the program. |
| 400094925 | XXXXXX | 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 A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide proof of receipt for CD issued XXX & XXX. | 2.12.25-Client provided CD issued XXX, e-signed XXX & PCCD issued XXX. Exception satisfied. | 2.12.25- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 22 years 11 months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 16 years 9 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 58 months PITIA vs 0 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 36.82% is 13.18% below the 50% allowed for the program. |
| 400094882 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 0 Months Reserves required, borrower has $21,417.51<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV 90%, Current LTV 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 12 month payment history required, borrower has over 50 months reporting |
| 400095016 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 708 is 28 points above the 680 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is 5% below the 80% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 230 months PITIA is 224 months greater than the 6 months reserves required. |
| 400095062 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Application | Satisfied C A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing third party fraud report in file. | 2.10.2025 Fraud reports are required on all files regardless of citizenship status. Exception remains2.20.2025-Client's response: February 20th 2025, 12:59:35 pmfraud uploaded2.20.2025-Clayton's response: Received the Fraud Report; exception satisfied. | 2.10.2025 Exception remains.2.20.2025-Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 14 months PITIA is 8 months greater than the 6 months reserves required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Foreign Bank has provided a Letter of Reference. |
| 400094894 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor (APOR) : Clayton Status is QM Rebuttable Presumption (APOR) due to Benchmark date XXX; Test APR 8.800; Benchmark Rate 6.930 % Variance is 1.870% Max Variance allowed 1.50% | 2.5.25Client response; We accept the determination on this and please clear the exception.2.6.25 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 2.6.25 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 9 + years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 658 qualifying score exceeds 620 requirements<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.00% LTV < guideline requirement of 75.00% |
| 400094894 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary / current residence for 9 + years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 658 qualifying score exceeds 620 requirements<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.00% LTV < guideline requirement of 75.00% |
| 400095111 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 50+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 68 months credit history exceeds guidelines. |
| 400094886 | XXXXXX | TX | 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> - Clayton Comments: 100+ Months reporting<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 48+ Months reporting positive<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History |
| 400095147 | XXXXXX | HI | (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 condo master policy. | 2.5.25 Uploaded the master and flood ins.2.6.25 EXCEPTION SATISFIED | 2.6.25 EXCEPTION SATISFIED | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $6,659.12, or 2.46 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 19.70% is below guideline maximum of 80% for a DSCR purchase with a 783 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 783 exceeds guideline minimum of 620 for a DSCR purchase at 19.70% LTV. |
| 400095147 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing proof of flood insurance in File | 2.5.25 Uploaded the master and flood ins.2.6.25 EXCEPTION SATISFIED | 2.6.25 EXCEPTION SATISFIED | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $6,659.12, or 2.46 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 19.70% is below guideline maximum of 80% for a DSCR purchase with a 783 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 783 exceeds guideline minimum of 620 for a DSCR purchase at 19.70% LTV. |
| 400095147 | XXXXXX | HI | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD-1. | 2.5.25 please find the final SS for review2.6.25 exception satisfied | 2.6.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $6,659.12, or 2.46 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 19.70% is below guideline maximum of 80% for a DSCR purchase with a 783 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 783 exceeds guideline minimum of 620 for a DSCR purchase at 19.70% LTV. |
| 400095019 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 246+ months reserves exceeds guidelines. |
| 400095007 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV; max 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $29950.89 reserves; $0 reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 qual score; min 620. |
| 400095024 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $629,081.59, or 245.13 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline maximum of 80% for a DSCR purchase with a 708 credit score.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 3/2020. |
| 400094848 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 34mo. 0X30 mortgage payment history; 0x30x12 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 qual score; min 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 23.19% DTI; max 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $46678.41 reserves; $5960.53\*6= $35,763.18 required reserves. |
| 400095173 | XXXXXX | CA | (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 | Guarantors name is not reflected on Retirement Statement in file. | 1.27.25 A copy of the 401K from July - Sept 2024 which confirms the borrower's ownership has been uploaded,1.28.25 exception satisfied | 1.28.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 105+ Months reporting positive<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45+ Months positive Mortgage History reporting |
| 400095164 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4.9 years living at primary residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 7 years in the XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid-score used to qualify for B1 from CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 103 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 51 months of 0x30 mortgage history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 400095129 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 qual score; min 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 56mo. 0X30 mortgage payment history; 0x30x12 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $234,956.30 reserves from cash out; $2587.68\*6= $15,526.08 required reserves.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.40% LTV; max 80%. |
| 400095098 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 credit score; 700 minimum required score<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 mortgage payment history, since 3/2016.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $78,082.67 post close reserves, 52.66 months PITI; 6 months required reserves |
| 400095089 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 credit score; 680 minimum required score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $203,100.06 post close reserves, 51.86 months PITIA; 6 months required reserves<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8.25 years at the primary residence |
| 400095103 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $70,911.56, or 52 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline maximum of 80% for a DSCR Cash Out refinance with a 722 credit score.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 3/2016. |
| 400094895 | XXXXXX | RI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Legal Documents | Active B | CRDLGL4033 | Missing Legal Document(s) | No | Missing cash out purpose letter | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $51,386.22, or 9.43 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 737 exceeds guideline minimum of 680 for an Alt Doc cash out refinance at 80% LTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 9.47% is below guideline maximum of 55%. |
| 400095000 | XXXXXX | LA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER5518 | Loan fails Homex Minimum Equity requirement | No | Equity of XXX is less than the minimum equity required of XXX. Client provided an exception request to allow the loan with less than $40,000 in equity. Clayton deems this non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 10.78 months PITIA is 4.78 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 730 is 10 points above the 720 FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 5 years at current residence.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower is 0x30 on all accounts for the past 10 years reviewed. |
| 400094931 | XXXXXX | 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 | Please provide confirmation of receipt for initial CD dated XXX. | 2.3.25-Client provided CD issued XXX, e-signed XXX. Exception satisfied. | 2.3.25-satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 23.08% LTV; max 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $300265.83 reserves; $2439.94 \*6= $14,639.64 required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 qual score; min 600. |
| 400094931 | XXXXXX | 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 | Please provide confirmation of receipt for initial CD dated XXX. | 2.3.25-Client provided CD issued XXX, e-signed XXX. Exception satisfied. | 2.3.25-satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 23.08% LTV; max 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $300265.83 reserves; $2439.94 \*6= $14,639.64 required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 qual score; min 600. |
| 400095136 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $69,256.54, or 49.96 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline maximum of 80% for a DSCR cash out refinance with a 750 credit score.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 3/2013. |
| 400094943 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV; max 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 qual score; min 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $70894.57 reserves from cash out: $3058.31\*6= $18,349.86 reserves required. |
| 400095110 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at the primary residence 19 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 credit score; 680 minimum required score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline date 11/2009, reporting 0x30 |
| 400094972 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 credit score; 700 minimum required score<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x124 mortgage payment history, since 9/30/2014.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post reserves $63,504.68 or 14.15 months PITI; 6 months required reserves |
| 400094977 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 69.79% below program maximum 80.00%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 49 mos. 0x30, 7 mos. 0x30 and 33 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: File has 32 months in reserves. |
| 400095096 | XXXXXX | NV | (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 | Missing gift letter to document and source $80,000 pending wire to XXX #XXX from XXX | 2.5.2025 Client responded - please find the final gift letter.2.5.2025 Client provided the final gift letter. Exception satisfied. | 2.5.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 12 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 credit score; 620 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 43.01% LTV; 65% maximum LTV |
| 400095096 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1. | 2.5.2025 Client responded - Please find the final SS for review.2.5.2025 Client provided the final HUD. Exception satisfied | 2.5.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 12 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 credit score; 620 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 43.01% LTV; 65% maximum LTV |
| 400095131 | XXXXXX | MS | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER5518 | Loan fails Homex Minimum Equity requirement | No | Post close equity of XXX does not meet guideline minimum of XXX. Credit Exception in file. Clayton deems this non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $17,080.63, or 17.66 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 exceeds guideline minimum of 680 for a DSCR purchase at 75% LTV. |
| 400095115 | XXXXXX | WI | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Guidelines allow up to 10 mortgages with XXX, borrower has 11 mortgages with XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $39,108.74, or 29.34 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.31% is below guideline maximum of 80% for a DSCR cash out refinance with a 798 credit score.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 21 years. |
| 400095105 | XXXXXX | WI | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | 11 mortgaged properties exceeds guideline limit of 10 for XXX Clayton deems exception non material / non fatal to the lending deceison. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21.5 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 798 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.11% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 244 months of 0x30 consumer credit history per CBR.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 680 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12.86 months of reserves in file. |
| 400095108 | XXXXXX | WI | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Guidelines allow up to 10 mortgages with XXX, borrower has 11 mortgages with XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B2 has lived at primary residence 21.42 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 63.27% LTV. Max allowed 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 798 median FICO. Minimum required 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $38,795.70 in reserves. No reserves required. |
| 400095126 | XXXXXX | WI | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Guidelines allow up to 10 mortgages with XXX, borrower has 11 mortgages with XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has 21 years 5 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 62.50% below program maximum 80.00%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 37 mos. 0x30, 83 mos. 0x30 and 21 mos. 0x30 |
| 400095079 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 78 Months Reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99+ Months Mortgage History reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 141+ Months Consumer Credit History reporting |
| 400094957 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 733 credit score; 680 minimum required score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $73,459.36 post close reserves, 27.48 months PITIA; 6 months required reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x15 mortgage payment history |
| 400094884 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor (APOR); Clayton status is QM Rebuttable Presumption (APOR) due to: Benchmark Date XXX; loan has a Test APR of 8.770%; the Benchmark Rate was 6.890%; Variance 1.880%; max allowed is 1.5000%. | Client response; We accept the determination on this and please clear the exception.Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years 6 months in profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 20.61% is 29.39% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 657 is 37 points above the 620 FICO required for the program. |
| 400094884 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) 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 | Please provide confirmation of receipt for initial CD dated XXX | 1.28.25-Client provided CD issued XXX, e-signed XXX. Exception satisfied. | 1.28.25- Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years 6 months in profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 20.61% is 29.39% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 657 is 37 points above the 620 FICO required for the program. |
| 400094884 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) 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 | Please provide confirmation of receipt for initial CD dated XXX. | 1.28.25-Client provided CD issued XXX, e-signed XXX. Exception satisfied. | 1.28.25-Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years 6 months in profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 20.61% is 29.39% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 657 is 37 points above the 620 FICO required for the program. |
| 400094884 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years 6 months in profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 20.61% is 29.39% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 657 is 37 points above the 620 FICO required for the program. |
| 400094884 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Terms/Guidelines | Active B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Verification of Rent in file is from a private party, which is not permissible per guidelines. Client provided an exception. Clayton deems exception non material / non fatal to the lending decision. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 10 years 6 months in profession.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 20.61% is 29.39% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 657 is 37 points above the 620 FICO required for the program. |
| 400095003 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 99 Months Reserves<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 114 Months positive Consumer Credit History |
| 400095171 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing the required condo questionnaire. | 1.31.25 Condo questionnaire has been uploaded, 1.31.25 exception satisfied | 1.31.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 84 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 62 months of 0x30 mortgage credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 36.86 months of reserves in file.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at primary residence. |
| 400094899 | XXXXXX | 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> - Clayton Comments: Verified 686 median FICO score. Minimum required 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 75% LTV. Max allowed 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $94,346.53 funds required to close. Verified $129,320.52 in assets with $34,973.99 in post-closing reserves. No reserves required at 75% LTV. |
| 400094855 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor (APOR); Clayton status is QM Rebuttable Presumption (APOR) due to: Benchmark Date XXX; loan has a Test APR of 8.669%; the Benchmark Rate was 7.070%; Variance 1.599%; max allowed is 1.5000%. | 2.10.25 Client response; We accept the determination on this and please clear the exception.2.10.25 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 2.10.25 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 13 months PITIA is 7 months greater than the 6 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 14 years 8 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 717, min is 620. |
| 400094855 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) 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 | Provide proof of receipt for All Loan Estimates and CDs in file, with exception of the final CD. | 2.11.25-Client provided CD issued XXX, e-signed XXX, LE issued XXX, e-signed XXX, LE issued XXX, e-signed XXX. Also provided is email receipt proof for LEs' issued XXX, XXX, 2 issued on XXX. All LEs' proof of receipt is date of issuance. Satisfied. | 2.11.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 13 months PITIA is 7 months greater than the 6 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 14 years 8 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 717, min is 620. |
| 400094855 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) 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 | Provide proof of receipt for All Loan Estimates and CDs in file, with exception of the final CD. | 2.11.25-Client provided CD issued XXX, e-signed XXX , LE issued XXX, e-signed XXX, LE issued XXX, e-signed XXX. Also provided is email receipt proof for LEs' issued XXX, XXX, 2 issued on XXX. All LEs' proof of receipt is date of issuance. Satisfied. | 2.11.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 13 months PITIA is 7 months greater than the 6 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 14 years 8 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 717, min is 620. |
| 400094855 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 13 months PITIA is 7 months greater than the 6 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 14 years 8 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 717, min is 620. |
| 400094910 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV; max 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $109,182 reserves; $8396.18\*6= $50,377.08 required reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 697 qual score; min 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.45% DTI; max 55%. |
| 400095125 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 802 is 122 points above the 680 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 54 months PITIA is 48 months greater than the 6 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is 5% below the 80% LTV allowed for the program. |
| 400094956 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 qualifying score exceeds 620 requirements<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 7 years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 168 months with 0x30 consumer credit payment history exceeds guidelines of 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $241,417.06 reserves in file or 102.15 months PITI > required guidelines |
| 400094903 | XXXXXX | UT | 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> - Clayton Comments: Post close reserves are $133,543.55, or 13.44 months. 6 months required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 4/2022.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 20.90% is below guideline maximum of 50%. |
| 400094975 | XXXXXX | MA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Condo questionnaire completed by HOA | 2.4.25 Condo questionnaire has been uploaded, 2.4.25 exception satisfied | 2.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 6.5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 794 credit score; 620 minimum required score<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x130 mortgage payment history, since 3/2014<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $86,144.73 post close reserves, 21.65 months PITIA; 3 months required reserves |
| 400095069 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV; max 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $72992.17 reserves from cash out; $0 reserves required.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences |
| 400095010 | XXXXXX | NV | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.11.25 please find the final SS for review.2.12.25 Clayton response; HUD provided was Seller HUD. Missing Final HUD noting cash from borrower. Exception remains.2.12.2025-Client's response: February 12th 2025, 2:50:14 pmfinal SS uploaded 2.12.2025-Clayton's response: Received the Final HUD1, exception satisfied. | 2.12.25 Exception remains. 2.12.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 784 is 164 points above the 620 FICO required for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 23 months ITIA is 20 months greater than the 3 months reserves required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower is 0x30 on all accounts for the past 8 years reviewed. |
| 400095051 | XXXXXX | TN | (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 | Missing documentation December payment made for XXX #XXX. Payment history provided appears to be for January payment as the next payment due is February's. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 767 exceeds the minimum of 720<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 60 months reviewed for primary residence mortgage exceeds the 12 months required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Residing in current residence for over 9 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $174435.26, 113.39 months reserves, 6 months required |
| 400095091 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 qualifying score exceeds 620 requirements<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has stable employment being XXX in the same field for the past 20+ years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $62,532.07 reserves in file or 45.18 months PITI > required guidelines |
| 400095097 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.21.2025-Client's response: February 21st 2025, 4:42:08 pmPlease find the final SS for review.2.21.2025-Clayton's response: Received the Final HUD1, exception is satisfied. | 2.21.2025-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 114 Months Consumer Credit History<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 49 Months positive reporting |
| 400095154 | XXXXXX | OH | (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 | Missing documentation supporting Feb and March mortgage payments made for XXX #XXX. Loan closed XXX. First payment Feb 2024. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 74.69% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 799 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified $32179.36 for cash reserves, 16.18 months reserves, 6 months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 2.0837 (Rent $XXX / Expenses $XXX) |
| 400095050 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 245 months credit history exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6+ months reserves exceeds guidelines. |
| 400094974 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH189 | Missing credit report | No | Missing credit report dated XXX, 816 representative credit score. File contains credit supplements only. | 2.10.2025 Client responded - Please find the CR for review.2.10.2025 Client provided the missing credit report. Exception satisfied | 2.10.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 7 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.54% LTV; 70% maximum LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $45,556.56 post close reserves, 14.79 months PITIA; 0 required reserves |
| 400094974 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.10.2025 Client responded - please find the final SS for review.2.10.2025 Client provided the final Settlement Statement. Exception satisfied | 2.10.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 7 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.54% LTV; 70% maximum LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $45,556.56 post close reserves, 14.79 months PITIA; 0 required reserves |
| 400095022 | XXXXXX | WY | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide final HUD-1 | 2.20.25 Final settlement statement has been uploaded2.21.25 exception satisfied | 2.21.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 692 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets$43,560.86 reserves in file or 38.36 months PITI<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 216 months of consumer credit history, exceeds guidelines of 24 months. |
| 400095022 | XXXXXX | WY | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV107 | LTV Exception 5% or Less | No | Lender exception in file for max LTV of 70% with 1 x 30 day late with 692 score. Compensating factors for approval are 41 tradelines, 2 years at present with 30 years of monthly payments. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 692 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets$43,560.86 reserves in file or 38.36 months PITI<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 216 months of consumer credit history, exceeds guidelines of 24 months. |
| 400094900 | XXXXXX | CO | 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 | Please provide confirmation of receipt for initial CD dated XXX. | 2.10.25-Client provided proof of receipt for CD issued XXX. E-signed XXX. Satisfied. | 2.10.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 673 qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 16 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $74,678.71 reserves from cash out; $5832.55\*6= $34.995.30 reserves required. |
| 400094900 | XXXXXX | CO | 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 | Please provide confirmation of receipt for initial CD dated XXX | 2.10.25-Client provided proof of receipt for CD issued XXX. E-signed XXX. With proof of receipt for CD XXX,Provide proof of receipt for LE issued XXX prior to receipt of Initial CD issued XXX.2.11.26- Client provided LE issued XXX, e-signed XXX. Satisfied. | 2.11.26-Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 673 qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 16 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $74,678.71 reserves from cash out; $5832.55\*6= $34.995.30 reserves required. |
| 400094900 | XXXXXX | CO | 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 | LTV/CLTV | Active B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | 75% LTV exceeds the 70% max due to a 5% reduction for the owner occupied non-multi unit dwelling (SFR) being used as a short term rental. XXX guides requires LTV reduction for using STR income in qualifying. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 673 qual score; min 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 16 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $74,678.71 reserves from cash out; $5832.55\*6= $34.995.30 reserves required. |
| 400095101 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51% LTV; 65% maximum LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $88,253.73 post close reserves, 68.79 months PITIA; 0 required reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline date 7/2016. |
| 400094853 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 19 years 3 months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 11.96 months PITIA is 5.96 months greater than the 6 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is 10% below the 90% LTV allowed for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 20.92% is 29.08% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 778 is 118 points above the 660 FICO required for the program. |
| 400095100 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $12,372.98, or 5.64 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 37.78% is below guideline maximum of 80% for a DSCR purchase with an 807 credit score<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from 5/2016. |
| 400094949 | XXXXXX | GA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active B | CRDCRMH104 | Credit score below guidelines | No | 1x30 Mortgage last 12 months with <700 FICO. Comp Factors: 59.58 LTV; Post close reserves are $52,413.36, or 6.62 months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below guideline maximum of 70% for a DSCR Rate/Term refinance with a 628 credit score.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 4 years |
| 400095058 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender approval in file. | 2.4.25 Final loan approval has been uploaded2.5.25 exception satisfied | 2.5.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 8.94 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 80% LTV is maximum allowed per guidelines. |
| 400094970 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 21 years at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 762 is 82 points above the 680 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is 5% below the 80% LTV allowed for the program. |
| 400094885 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | Credit | Title | Satisfied D A | CRDTIL865 | Title incomplete | No | Missing Page 7 of Title report. | 2.11.25 Title commitment with the correct numbered pages has been uploaded,2.11.25 exception satisfied | 2.11.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History with 678 credit score.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 34 + Months positive Mortgage History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 29+ Months Consumer Credit reporting positive |
| 400094885 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | Property Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX FEMA Event XXX Hurricane XXX | 2.10.2025-Client's response: February 10th 2025, 5:59:57 pmAppraisal update with pictures has been uploaded, please clear condition.2.10.2025-Clayton's response: Received the Appraisal update dated XXX with photos. No storm damaged indicated. exception satisfied. | 2.10.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History with 678 credit score.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 34 + Months positive Mortgage History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 29+ Months Consumer Credit reporting positive |
| 400094885 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Missing Appraisal update with photos as original Appraisal is over 120 days old at note date. Appraisal date XXX and note date is XXX. | 2.10.2025-Client's response: February 10th 2025, 5:59:57 pmAppraisal update with pictures has been uploaded, please clear condition.2.10.2025-Clayton's response: Received the Appraisal update with photos, exception satisfied. | 2.10.2025-Exception satisfied,. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History with 678 credit score.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 34 + Months positive Mortgage History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 29+ Months Consumer Credit reporting positive |
| 400094973 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $25,496.86 reserves; $1820.04\*6= $10,920.24 reserves required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Letter of Credit Reference provided by XXX |
| 400094898 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | 9.19 months reserves is less than the 12 months reserves required for a first-time homebuyer without a housing history.Clayton deems non-material/non-fatal due to small shortage of 2.81 months or $9,546.50. Compensating factors: Credit score 784/660 minimum, LTV 80%/90% maximum allowed and DTI of 34.17%/50% maximum. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 34.17% is 15.83% below the 50% allowed for the program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 784 is 124 points above the 660 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is 10% below the 90% LTV allowed for the program. |
| 400095099 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Provide updated evidence of insurance. Insurance is effective XXX expiration XXX | 2.10.25 updated haz ins for review.2.10.25 exception satisfied | 2.10.25 exception satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $31,958.78 post closing reserves, 10.04 Months PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 exceeds guideline requirements |
| 400095099 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL2864 | Copy of Mortgage/Deed in file is incomplete | No | Provide executed mortgage , including Notary and riders. | 2.10.25 please find the signed docs with the commissioner of deeds which is legal and binding.2.10.25 exception satisfied | 2.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $31,958.78 post closing reserves, 10.04 Months PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 exceeds guideline requirements |
| 400095099 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL806 | Notary Status is missing | No | Provide executed mortgage , including Notary and riders. | 2.10.25 please find the signed docs with the commissioner of deeds which is legal and binding.2.10.25 exception satisfied | 2.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $31,958.78 post closing reserves, 10.04 Months PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 exceeds guideline requirements |
| 400095046 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 107 months PITIA is 101 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 730 is 50 points above the 680 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is 5% below the 80% LTV allowed for the program. |
| 400095156 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL225 | Missing Rider | No | Missing PUD Rider. | 2.13.25 please find the PUD rider2.14.25 exception satisfied | 2.14.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves of $1,111,519.77 or 155.87 months PITIA. 6 months required reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned primary residence for 9 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 credit score; 680 minimum required score |
| 400094986 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Cash Out Letter | 2.10.2025-Client's response: February 10th 2025, 6:13:39 pmCash out LOE has been uploaded, please clear condition.2.10.2025-Clayton's response: Received the Cash-Out Letter, exception satisfied. | 2.10.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 63 Months Reserves<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 37+ Months reporting<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 275+ Months Consumer History reporting |
| 400094929 | XXXXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | B | B A | B | B | Compliance | Repayment Ability | Active B | CMPSTRA119 | OH CSPA - No lender analysis of repayment ability in file | No | No lender analysis of repayment ability in file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 30.50% LTV; max 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 qual score; min 640.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $149,525.19 reserves; $0 reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99mo. 0X30 mortgage payment history; 0x30x12 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.83% DTI; max 55%. |
| 400094869 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor (APOR) D B | D | A D B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing XXX#XXX 2/2024 statement used to calculate income. | 2.10.25 Corrected income calc sheet received for XXX #XXX. Missing February statement = $12,490 in deposits. Exception remains, 2.18.25 Bank statement for 2/2024 has been uploaded2.19.25 NOTE IT APPEARS THAT THEY OPENED THE BUSINESS ACCOUNT IN MARCH 2024 AS THE JANUARY AND FEBURARY STATEMENTS ARE FROM A PERSONAL ACCOUNT - exception satisfied | 2.19.25 NOTE IT APPEARS THAT THEY OPENED THE BUSINESS ACCOUNT IN MARCH 2024 AS THE JANUARY AND FEBURARY STATEMENTS ARE FROM A PERSONAL ACCOUNT - exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $226,950.70, or 47.16 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline maximum of 90% for an Alt Doc purchase with a 726 credit score.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.73% is below guideline maximum of 50%. |
| 400094869 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor (APOR) D B | D | A D B | D | A | Credit | Income/Employment | Satisfied B A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing XXX#XXX 2/2024 statement used to calculate income. | 2.10.25 Corrected income calc sheet received for XXX #XXX. Missing February statement = $12,490 in deposits. Exception remains.2.18.25 Bank statement for 2/2024 has been uploaded2.19.25 NOTE IT APPEARS THAT THEY OPENED THE BUSINESS ACCOUNT IN MARCH 2024 AS THE JANUARY AND FEBURARY STATEMENTS ARE FROM A PERSONAL ACCOUNT - exception satisfied | 2.19.25 NOTE IT APPEARS THAT THEY OPENED THE BUSINESS ACCOUNT IN MARCH 2024 AS THE JANUARY AND FEBURARY STATEMENTS ARE FROM A PERSONAL ACCOUNT - exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $226,950.70, or 47.16 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline maximum of 90% for an Alt Doc purchase with a 726 credit score.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.73% is below guideline maximum of 50%. |
| 400094869 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor (APOR) D B | D | A D B | D | A | Credit | Insurance | Active B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Effective XXX, disbursement XXX. | 2.20.25 Please correct, disbursement was 1/31 please find the final SS2.21..25 Clayton response; Due to changes in disbursement date and final calculations. We will require the Final Closing Disclosure(CD) as file is TRID with ATR/QM(Safe Harbor). Exception remains. | 2.21..25 Exception remains. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $226,950.70, or 47.16 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline maximum of 90% for an Alt Doc purchase with a 726 credit score.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.73% is below guideline maximum of 50%. |
| 400094869 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor (APOR) D B | D | A D B | D | A | Credit | Insurance | Active C B | CRDINSR5352 | Flood Effective date is greater than the transaction date | No | Effective XXX, disbursement XXX. | 2.20.25 Please correct, disbursement was 1/31 please find the final SS2.21..25 Clayton response; Due to changes in disbursement date and final calculations. We will require the Final Closing Disclosure(CD) as file is TRID with ATR/QM(Safe Harbor). Exception remains. | 2.21..25 Exception remains. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $226,950.70, or 47.16 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline maximum of 90% for an Alt Doc purchase with a 726 credit score.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.73% is below guideline maximum of 50%. |
| 400094869 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor (APOR) D B | D | A D B | D | A | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing proof of flood insurance in File | No | Missing proof of flood insurance in File | 2.10.25 Effective XXX, disbursement XXX. | 2.11.25 exception non material. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $226,950.70, or 47.16 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline maximum of 90% for an Alt Doc purchase with a 726 credit score.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.73% is below guideline maximum of 50%. |
| 400095084 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $104,138.45, or 80.62 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 696 exceeds guideline minimum of 680 for a DSCR Cash Out refinance at 75% LTV |
| 400095143 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 20+ months reserves exceeds guidelines.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history. |
| 400095094 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | 2.52 months of reserves in file; 3 months reserves required per guidelines. Clayton considers this non-material due to borrower stability with 4.7 years at same residence, no mortgage or consumer trade delinquency on credit report and a high qualifying credit score. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4.7 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 158 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 52 months of 0x30 mortgage history per CBR. |
| 400095094 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D B | A | A D B | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.10.2025-Client's response: February 10th 2025, 6:51:41 pmFinal settlement statement has been uploaded, please clear condition.2.10.2025-Clayton's response: Received the Final Settlement Statement, exception satisfied. | 2.10.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 804 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4.7 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 158 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 52 months of 0x30 mortgage history per CBR. |
| 400094914 | XXXXXX | 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 | Provide proof of receipt for CD issued XXX & LE issued XXX | 2.10.25-Client provided LE issued XXX, e-signed XXX & CD issued XXX, e-signed XXX. Exception satisfied. | 2.10.25-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 649 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 129 months of 0x30 prior mortgage history per CBR<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 28.19 months of reserves in file. |
| 400094914 | XXXXXX | 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 | Provide proof of receipt for CD issued XXX & LE issued XXX. | 2.10.25-Client provided LE issued XXX, e-signed XXX & CD issued XXX, e-signed XXX. Exception satisfied. | 2.10.25- Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 649 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 129 months of 0x30 prior mortgage history per CBR<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 28.19 months of reserves in file. |
| 400094995 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 41+ months reserves exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 43+ years at current residence.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history. |
| 400095060 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 qualifying score exceeds 620 requirements<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 5 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $331,065.28 reserves in file or 117.44 months PITI > required guidelines |
| 400095158 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 661 mid-score per CBR. 620 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 41 months of 0x30 rental history per VOR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.61 months of reserves in file. 0 months required. |
| 400094950 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 54.62 months reserves exceeds guidelines. 3 months required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history of 87 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history with credit score of 686. |
| 400094968 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide ownership percentage for XXX in XXX | 2.10.2025-Client's response: February 10th 2025, 7:14:36 pmOperating agreement which confirms XXX ownership percentage is 20% has been uploaded, please clear condition.2.10.2025-Clayton's response: Received the Operating Agreement confirming percentage of ownership, exception is satisfied. | 2.10.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 94+ Months Consumer Credit reporting<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive Mortgage History |
| 400095037 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 43.04 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 400095055 | XXXXXX | MO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has stable employment being XXX in the same field for the past 10+ years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.67% LTV < guideline requirement of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 qualifying score exceeds 620 requirements |
| 400094999 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 8+ months reserves exceeds guidelines. |
| 400094906 | XXXXXX | MD | QM: Safe Harbor | QM: Safe Harbor (APOR) 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 | Please provide proof of receipt for CD dated XXX. | 2.11.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 2.11.25-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.73% LTV < guideline requirement of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $155,184.54 reserves in file or 17.68 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 10+ years. |
| 400094906 | XXXXXX | MD | QM: Safe Harbor | QM: Safe Harbor (APOR) 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 proof of receipt for CD dated XXX | 2.11.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 2.11.25-Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.73% LTV < guideline requirement of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $155,184.54 reserves in file or 17.68 months PITI > required guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 10+ years. |
| 400094976 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.07.2025-Client's response: February 7th 2025, 1:01:28 pmFinal settlement statement has been uploaded, please clear condition.2.07.2025-Clayton's response-Received the Final HUD1, exception satisfied. | 2.07.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 646 qual score; min 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.50% LTV; max 70%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $92114.51 reserves from cash out: $0 reserves required. |
| 400095035 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years living at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 qualifying credit score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 286 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.44 months of reserves in file. |
| 400095074 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $130,449.20, or 61.47 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.26% is below guideline maximum of 75% for a DSCR Cash Out refinance with a 714 credit score.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 714 exceeds guideline minimum of 620 for a DSCR cash out refinance at 54.26% LTV. |
| 400095180 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 1.31.25 Final settlement statement has been uploaded, 2.3.25 Exception satisfied | 2.3.25 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: At current employer for 30 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Residing in current primary residence for 26 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60% is below the maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets Verified Assets $975,889.33, FTC $226757.61, Cash Reserves $749,457.12 / PITIA $3057.94 = 244.98 months reserves,d<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower receives restricted stock and bonus income that was not used. YTD totals $58977.31 as of XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.24% is below the maximum of 50% |
| 400095180 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Clarification on number of units rented for condo project. Appraisal states 74 units rented and 38 units owner occupied. Condo Questionnaire states 36 units offsite addresses and 76 units primary residence. They are switched. Condo warranty to be determined upon clarification | 2.4.25 updated appraisal has been uploaded.2.4.25 exception satisfied | 2.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: At current employer for 30 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Residing in current primary residence for 26 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60% is below the maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets Verified Assets $975,889.33, FTC $226757.61, Cash Reserves $749,457.12 / PITIA $3057.94 = 244.98 months reserves,d<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower receives restricted stock and bonus income that was not used. YTD totals $58977.31 as of XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.24% is below the maximum of 50% |
| 400094892 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor APOR; Clayton status is QM Rebuttable APOR due to: Benchmark Date XXX; loan has a Test APR of 8.952%; the Benchmark Rate was 7.070%; Variance 1.882%; Max allowed is 1.5000% | 2.4.25 Client response; We accept the determination on this and please clear the exception.2.5.25 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 2.5.25 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9.4 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 qualifying credit score per CBR.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7.4 years employed with XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 202 months of mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 14.93 months of reserves in file. |
| 400094892 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Active B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon Clayton review. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9.4 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 qualifying credit score per CBR.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7.4 years employed with XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 202 months of mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 14.93 months of reserves in file. |
| 400094892 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Provide a third party valuation that supports the value of XXX. UCDP dated XXX shows Appraised Value of XXX. | 2.25.2025 Client responded - Appraisal desk review supports the value of XXX, copy has been uploaded. Please clear condition.2.25.2025 Client provided the Desk Review with a value of XXX. Exception satisfied | 2.25.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9.4 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 qualifying credit score per CBR.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7.4 years employed with XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 202 months of mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 14.93 months of reserves in file. |
| 400095065 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 622 mid-score per CBR. 620 minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 94.01 months of reserves in file. 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV per review; 70% LTV is maximum allowed per guidelines. |
| 400095005 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 116+ months reserves exceed guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage payment history. |
| 400094951 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 107+ Months positive Consumer Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 16 Months Reserves |
| 400095012 | XXXXXX | MI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.00% LTV < guideline requirement of 75.%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 687 qualifying score exceeds 620 requirements<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 8 years. |
| 400095075 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $253,865.04 post closing reserves, 119.10 Months PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 exceeds 620 requirement |
| 400095059 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $24459.58. 13.85 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 790 exceeds the minimum allowed of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 70 months reviewed for primary residence mortgage exceeds 12 months required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Residing in primary residence over 8 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: 2% revolving credit usage |
| 400095138 | XXXXXX | LA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 709 exceeds the minimum of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 31.47% is below the maximum of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $42146.35, 12.02 months reserves, 0 months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.6257 (Rent $XXX / Expenses $XXX)<br>CFCFS2860: Good credit history<br> - Clayton Comments: 17% revolving credit usage |
| 400094938 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 727 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 24.32 months of reserves in file. |
| 400095029 | XXXXXX | MA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Application | Active B | CRDAPP5430 | FNMA Application Form is Outdated | No | Missing signed final 1003 for XXX. She has signed the Note, Mortgage and is one of the Trustees of the XXX | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 60% is below the maximum of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 797 exceeds the minimum of 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $501413.44, 114.16 months reserves, 0 months required<br>CFCFS2860: Good credit history<br> - Clayton Comments: 4% revolving credit usage |
| 400095133 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.00% LTV < guideline requirement of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $37,500.35 reserves in file or 18.57 months PITI > required guidelines |
| 400094942 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 2.10.2025-Client's response: February 10th 2025, 7:40:12 pmFinal settlement statement has been uploaded, please clear condition.2.10.2025-Clayton's response: Received the final HUD1, exception is satisfied. | 2.10.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets$28,643.4 reserves in file or 8.15 months PITI<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current residence. |
| 400094851 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Provide executed mortgage , including notary. | 2.11.25-Client provided mortgage notarized and executed. Exception satisfied. | 2.11.25- satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 85.00% LTV < guideline requirement of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $64,247.58 reserves in file or 8.47 months PITI > guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 qualifying score exceeds 660 requirements |
| 400094851 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Provide executed mortgage , including notary. | 2.11.25-Client provided mortgage notarized and executed. Exception satisfied. | 2.11.25- satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 85.00% LTV < guideline requirement of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $64,247.58 reserves in file or 8.47 months PITI > guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 qualifying score exceeds 660 requirements |
| 400094851 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) 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 | Provide proof of receipt of CD issued XXX. | 2.11.25-Client provided CD issued XXX, E-signed XXX. Satisfied. | 2.11.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 85.00% LTV < guideline requirement of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $64,247.58 reserves in file or 8.47 months PITI > guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 qualifying score exceeds 660 requirements |
| 400094851 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) 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 | Provide proof of receipt of CD issued XXX. | 2.11.25-Client provided CD issued XXX, E-signed XXX Satisfied. | 2.11.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 85.00% LTV < guideline requirement of 90%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $64,247.58 reserves in file or 8.47 months PITI > guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 qualifying score exceeds 660 requirements |
| 400094982 | XXXXXX | MD | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | DSCR investment loan, missing the Rent schedule or Operating Agreement, unable to determine DSCR value. No monthly rental amount in file for subject property. | 2.7.25 Copy of the 1007 has been uploaded,2.10.25 exception satisfied | 2.10.25 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 727 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 55.68 months of reserves in file.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 207 months of 0x30 mortgage history per CBR. |
| 400094984 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.18.25 please find the final SS2.18.25 exception satisfied | 2.18.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.06% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 53.66 months of reserves in file. |
| 400095011 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 83+ Months reporting positive<br>CFCFS2860: Good credit history<br> - Clayton Comments: Demonstrates Good Credit History<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 32+ Months reporting |
| 400094935 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.18.25 please find the final SS for review.2.19.25 exception satisfied | 2.19.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 714 credit score; 640 minimum required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 11 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $41,973.25 post close reserves, 12.94 months PITIA; 6 months required reserves |

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SAN 2025-NQM3** |
| **Start - End Dates:** | **8/7/2024 - 2/7/2025** |
| **Deal Loan Count:** | **270** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *270* |
| ***Loans with Conditions:*** | *118* |

---

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 400072696 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400081662 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400094993 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 400072701 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400081692 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400081696 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400088252 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400081706 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400088169 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095061 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400088055 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094915 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400088663 | Yes | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 400094994 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 400088192 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400088167 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400088099 | Yes | XXXXXX | XXXXXX C B | C | A C B | C | A | Not Applicable |
| 400094947 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400095106 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400095178 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400088193 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 400088062 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400088216 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400088210 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400088142 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400088176 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400088100 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400088093 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400095175 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 400088219 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 400095140 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400095127 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 400088145 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 400088103 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400088059 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400094991 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095054 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 400095041 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 400094926 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 400088125 | Yes | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 400094937 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400094888 | Yes | XXXXXX | XXXXXX D B A | D | B D A | D | B | No |
| 400095023 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095102 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095066 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400088260 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095114 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 400088232 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094990 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094996 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094987 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095002 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400095009 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 400095128 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400095117 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400095161 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400095001 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400095067 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400095004 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 400094992 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094868 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094877 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 400094847 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 400094891 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400088155 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094922 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 400095150 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Yes |
| 400094965 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400095077 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400095064 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095137 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 400095070 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 400094969 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400095020 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 400094959 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 400094953 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095090 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400094864 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 400095119 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400094989 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400095048 | Yes | XXXXXX | XXXXXX C A | A | A C B | A | A | Not Applicable |
| 400094874 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 400094964 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094940 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 400095120 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 400095122 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400095085 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400095078 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095118 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400095146 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 400094875 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 400095068 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095021 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095130 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400094936 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400095018 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 400095052 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 400095163 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400094939 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095045 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094897 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | No |
| 400094887 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094934 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094955 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400094960 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400095073 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | No |
| 400095038 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400094927 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400095174 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094890 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094967 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095015 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400094861 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 400095168 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095109 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 400094966 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 400095121 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400095086 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Yes |
| 400095049 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400095033 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 400094963 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Yes |
| 400095044 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094856 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095165 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400095112 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400095153 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095036 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 400095179 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400094862 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095028 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094998 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400095095 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094979 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | No |
| 400095014 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094873 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 400095053 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400094946 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400094958 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400095032 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 400095031 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095134 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095071 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 400094971 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095006 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 400094923 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400095152 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094901 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 400095034 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 400095172 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 400095149 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094863 | Yes | XXXXXX | XXXXXX D A | C | A D | C | A | No |
| 400094870 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 400095039 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095056 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400095151 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 400095088 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095040 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400095082 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400095176 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094948 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400095080 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094916 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094983 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400094997 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 400094932 | Yes | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 400094928 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 400094872 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400094925 | Yes | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 400094882 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095016 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095062 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 400094894 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 400095111 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 400094886 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400095147 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400095019 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 400095007 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400095024 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400094848 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400095173 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400095164 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095129 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400095098 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400095089 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400095103 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094895 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 400095000 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 400094931 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 400095136 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400094943 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095110 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094972 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094977 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400095096 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400095131 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 400095115 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 400095105 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 400095108 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 400095126 | Yes | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 400095079 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400094957 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094884 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 400095003 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400095171 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 400094899 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094855 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 400094910 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095125 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094956 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400094903 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094975 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400095069 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400095010 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400095051 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 400095091 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095097 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400095154 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 400095050 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 400094974 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 400095022 | Yes | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 400094900 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 400095101 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094853 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095100 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400094949 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 400095058 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400094970 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094885 | Yes | XXXXXX | XXXXXX D A C | A | A D C | A | A | No |
| 400094973 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400094898 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 400095099 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Yes |
| 400095046 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095156 | Yes | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 400094986 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 400094929 | Yes | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 400094869 | Yes | XXXXXX | XXXXXX D B A | D | A D B | D | A | Not Applicable |
| 400095084 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095143 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095094 | Yes | XXXXXX | XXXXXX D B A | A | A D B | A | A | Not Applicable |
| 400094914 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 400094995 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 400095060 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095158 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094950 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400094968 | Yes | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 400095037 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095055 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094999 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400094906 | Yes | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 400094976 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400095035 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095074 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095180 | Yes | XXXXXX | XXXXXX D A C | A | A D C | A | A | Not Applicable |
| 400094892 | Yes | XXXXXX | XXXXXX C B A | C | A C B | C | A | Not Applicable |
| 400095065 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095005 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094951 | Yes | XXXXXX | XXXXXX A | A | A | A | A | No |
| 400095012 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095075 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400095059 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095138 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400094938 | Yes | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 400095029 | Yes | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 400095133 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 400094942 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400094851 | Yes | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 400094982 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400094984 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 400095011 | Yes | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 400094935 | Yes | XXXXXX | XXXXXX D A | A | A D | A | A | No |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | SAN 2025-NQM3 |
| **Start - End Dates:** | 8/7/2024 - 2/7/2025 |
| **Deal Loan Count:** | 270 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *270* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 400081696 | XXXXXX | Cash Reserves | 88712.15 | 124967.98 |
| 400081696 | XXXXXX | Months Reserves | 84.00 | 118.60 |
| 400088252 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400088252 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400081706 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400094915 | XXXXXX | Cash Reserves | 125828.88 | 178078.50 |
| 400094915 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094915 | XXXXXX | Months Reserves | 28.00 | 40.76 |
| 400094915 | XXXXXX | Representative Credit Score for Grading | 715 | 718 |
| 400088663 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400094994 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400088192 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400088099 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400088099 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400094947 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094947 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095178 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095178 | XXXXXX | DTI Qualifying (Back) | 39.0300 | 35.6500 |
| 400088193 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 400088062 | XXXXXX | Cash Reserves | 69145.52 | 84147.17 |
| 400088062 | XXXXXX | Months Reserves | 27.00 | 33.75 |
| 400088210 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 400088176 | XXXXXX | Product Type | 30 Yr Fixed | 20 Yr Fixed |
| 400088100 | XXXXXX | Cash Reserves | 348170.88 | 129420.88 |
| 400088100 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400088100 | XXXXXX | Months Reserves | 76.00 | 28.48 |
| 400095175 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095140 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095140 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400088145 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400088145 | XXXXXX | Number of Units | 3 | 2 |
| 400088145 | XXXXXX | Property Type | 3 Family | 2 Family |
| 400095041 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 400088125 | XXXXXX | Cash Reserves | 72170.11 | 169.80 |
| 400088125 | XXXXXX | Months Reserves | 23.00 | 0.06 |
| 400088125 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 400095009 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095128 | XXXXXX | Borrower DSCR Percent | 1.5400 | 1.2843 |
| 400095161 | XXXXXX | DTI Qualifying (Back) | 38.7800 | 44.9700 |
| 400095161 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 400095161 | XXXXXX | Representative Credit Score for Grading | 789 | 793 |
| 400095001 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095067 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095004 | XXXXXX | Cash Reserves | 1339180.79 | 671950.79 |
| 400095004 | XXXXXX | Months Reserves | 101.00 | 51.16 |
| 400095004 | XXXXXX | Number of Units | 4 | 3 |
| 400095004 | XXXXXX | Property Type | 4 Family | 3 Family |
| 400094992 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400094847 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094891 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400088155 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095150 | XXXXXX | Cash Reserves | 133165.38 | 301504.32 |
| 400095150 | XXXXXX | Months Reserves | 99.00 | 225.70 |
| 400095077 | XXXXXX | Property Type | SFR-Attached | SFR |
| 400095064 | XXXXXX | Cash Reserves | 159714.12 | 148635.80 |
| 400095064 | XXXXXX | Months Reserves | 71.00 | 66.30 |
| 400095070 | XXXXXX | Cash Reserves | 75989.96 | 227722.42 |
| 400095070 | XXXXXX | Months Reserves | 59.00 | 177.16 |
| 400095020 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094953 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 400094953 | XXXXXX | Representative Credit Score for Grading | 790 | 792 |
| 400094864 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095048 | XXXXXX | Borrower DSCR Percent | 1.0900 | 1.1932 |
| 400095048 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095048 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 400094874 | XXXXXX | Cash Reserves | 819124.44 | 745267.74 |
| 400094874 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094874 | XXXXXX | Months Reserves | 122.00 | 111.27 |
| 400094964 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094964 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095122 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095146 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094875 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 400095052 | XXXXXX | Cash Reserves | 807351.99 | 848729.66 |
| 400095052 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095052 | XXXXXX | Months Reserves | 178.00 | 187.65 |
| 400095163 | XXXXXX | Cash Reserves | 109964.41 | 255094.76 |
| 400095163 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095163 | XXXXXX | Months Reserves | 11.00 | 26.10 |
| 400094897 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094887 | XXXXXX | Cash Reserves | 10416.92 | 46576.72 |
| 400094887 | XXXXXX | Months Reserves | 5.00 | 26.11 |
| 400094887 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 400094887 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400094934 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094934 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400094955 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 400094927 | XXXXXX | Cash Reserves | 154100.15 | 166912.17 |
| 400094927 | XXXXXX | Months Reserves | 77.00 | 83.84 |
| 400094890 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400094861 | XXXXXX | Cash Reserves | 65993.86 | 76627.06 |
| 400094861 | XXXXXX | Months Reserves | 17.00 | 19.28 |
| 400094861 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 400095109 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095121 | XXXXXX | Cash Reserves | 228219.30 | 341967.46 |
| 400095121 | XXXXXX | Months Reserves | 253.00 | 380.58 |
| 400095121 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 400095086 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095049 | XXXXXX | Cash Reserves | 11119.33 | 34405.19 |
| 400095049 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095049 | XXXXXX | Months Reserves | 5.00 | 16.48 |
| 400095033 | XXXXXX | Cash Reserves | 1804401.00 | 2630098.93 |
| 400095033 | XXXXXX | Months Reserves | 339.00 | 495.28 |
| 400094963 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 400095044 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094856 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095165 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095112 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095179 | XXXXXX | Cash Reserves | 527086.15 | 503960.98 |
| 400095179 | XXXXXX | Months Reserves | 203.00 | 194.46 |
| 400094862 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 400094873 | XXXXXX | Cash Reserves | 692183.81 | 807303.91 |
| 400094873 | XXXXXX | Months Reserves | 94.00 | 110.11 |
| 400094946 | XXXXXX | Cash Reserves | 47835.66 | 59048.14 |
| 400094946 | XXXXXX | Months Reserves | 20.00 | 25.64 |
| 400095032 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095031 | XXXXXX | Cash Reserves | 360560.84 | 402384.78 |
| 400095031 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095031 | XXXXXX | Months Reserves | 247.00 | 281.13 |
| 400095134 | XXXXXX | Number of Units | 1 | 2 |
| 400095134 | XXXXXX | Property Type | SFR-Attached | 2 Family |
| 400095071 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095006 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 400094923 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094923 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 400094901 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094901 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095149 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095149 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 400095149 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400094870 | XXXXXX | Cash Reserves | 329412.10 | 303369.22 |
| 400094870 | XXXXXX | Months Reserves | 70.00 | 64.66 |
| 400094870 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095039 | XXXXXX | Cash Reserves | 127760.39 | 25443.50 |
| 400095039 | XXXXXX | Months Reserves | 73.00 | 14.53 |
| 400095039 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095056 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095056 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095151 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095082 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 400094983 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094983 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400094932 | XXXXXX | Cash Reserves | 1459700.20 | 1271473.89 |
| 400094932 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094932 | XXXXXX | Months Reserves | 201.00 | 187.08 |
| 400094928 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400094872 | XXXXXX | Cash Reserves | 1009384.95 | 902815.00 |
| 400094872 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094872 | XXXXXX | Months Reserves | 80.00 | 72.35 |
| 400095062 | XXXXXX | Cash Reserves | 39565.75 | 49900.79 |
| 400095062 | XXXXXX | Months Reserves | 11.00 | 14.26 |
| 400095147 | XXXXXX | Borrower DSCR Percent | 1.7400 | 1.8503 |
| 400095147 | XXXXXX | Cash Reserves | 684984.62 | 6659.12 |
| 400095147 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095147 | XXXXXX | Months Reserves | 241.00 | 2.46 |
| 400095019 | XXXXXX | Cash Reserves | 434869.13 | 629869.13 |
| 400095019 | XXXXXX | Months Reserves | 169.00 | 244.89 |
| 400095019 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 400095024 | XXXXXX | Cash Reserves | 234081.59 | 634081.59 |
| 400095024 | XXXXXX | Months Reserves | 91.00 | 247.08 |
| 400095024 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 400095173 | XXXXXX | Cash Reserves | 84553.32 | 63367.96 |
| 400095173 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095173 | XXXXXX | Months Reserves | 45.00 | 34.07 |
| 400095098 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095089 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 400094931 | XXXXXX | Cash Reserves | 319195.83 | 300265.83 |
| 400094931 | XXXXXX | Months Reserves | 130.00 | 123.06 |
| 400095126 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 400094910 | XXXXXX | Cash Reserves | 159182.00 | 109182.00 |
| 400094910 | XXXXXX | Months Reserves | 18.00 | 13.00 |
| 400095125 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094903 | XXXXXX | DTI Qualifying (Back) | 20.7900 | 24.1600 |
| 400095010 | XXXXXX | Cash Reserves | 68682.52 | 44027.20 |
| 400095010 | XXXXXX | Months Reserves | 32.00 | 23.30 |
| 400095091 | XXXXXX | Cash Reserves | 41423.88 | 62532.07 |
| 400095091 | XXXXXX | Months Reserves | 29.00 | 45.18 |
| 400095154 | XXXXXX | Cash Reserves | 17929.11 | 32179.36 |
| 400095154 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095154 | XXXXXX | Months Reserves | 9.00 | 16.18 |
| 400095022 | XXXXXX | Cash Reserves | 27423.02 | 43560.86 |
| 400095022 | XXXXXX | Months Reserves | 24.00 | 38.36 |
| 400095022 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095101 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095101 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095100 | XXXXXX | Cash Reserves | 34772.98 | 12372.98 |
| 400095100 | XXXXXX | Months Reserves | 15.00 | 5.64 |
| 400095100 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 400095156 | XXXXXX | Property Type | SFR | Detached PUD |
| 400094869 | XXXXXX | Cash Reserves | 292197.77 | 330346.70 |
| 400094869 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094869 | XXXXXX | Months Reserves | 41.00 | 47.16 |
| 400095060 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095158 | XXXXXX | Cash Reserves | 13150.14 | 34245.98 |
| 400095158 | XXXXXX | Months Reserves | 2.00 | 6.61 |
| 400094950 | XXXXXX | Cash Reserves | 217375.80 | 204366.78 |
| 400094950 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094950 | XXXXXX | Months Reserves | 58.00 | 54.62 |
| 400094950 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 400094906 | XXXXXX | Documentation Type | Full Doc | Alt Doc/Bank Statements |
| 400094906 | XXXXXX | DTI Qualifying (Back) | 48.5600 | 43.0600 |
| 400094976 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095035 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095074 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400094892 | XXXXXX | Cash Reserves | 76970.21 | 187410.89 |
| 400094892 | XXXXXX | Months Reserves | 6.00 | 14.93 |
| 400095065 | XXXXXX | Borrower DSCR Percent | 1.1500 | 1.2572 |
| 400095065 | XXXXXX | Number of Units | 4 | 2 |
| 400095065 | XXXXXX | Property Type | 4 Family | 2 Family |
| 400094951 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400095075 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400095138 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094942 | XXXXXX | Borrower DSCR Percent | 0.7800 | 0.882 |
| 400094851 | XXXXXX | Cash Reserves | 64569.57 | 96247.58 |
| 400094851 | XXXXXX | Months Reserves | 8.00 | 12.69 |
| 400094982 | XXXXXX | Cash Reserves | 128025.66 | 170345.82 |
| 400094982 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094982 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 400094982 | XXXXXX | Months Reserves | 51.00 | 68.25 |
| 400094982 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 400094984 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 400094984 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |

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©2025 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.

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SAN 2025-NQM3** |
| **Start - End Dates:** | **8/7/2024 - 2/7/2025** |
| **Deal Loan Count:** | **270** |
| *Report Run Date:* | *6/4/2025* |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *270* |

---

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| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **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** | **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** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **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 Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **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** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **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** |
| 400072696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1489.87 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1978.00 | No | (No Data) | 1.3276 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400081662 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2367.19 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.0561 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094993 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2275.85 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.0106 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400072701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1691.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.4186 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400081692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2514.8 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 1.3122 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400081696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1053.71 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 1.3286 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400088252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3248.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 1.1083 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400081706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2231.34 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.5237 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400088169 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 7.4208 | Yes | Yes | 2.835 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.32 | 15.32 | 15.32 | 15.32 | 15.32 | 15.32 | No | No | (No Data) | 85986.1 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400095061 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2085.4 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.1508 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400088055 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1572.49 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1765.00 | No | (No Data) | 1.1224 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094915 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 7.7086 | No | No | 2.575 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.21 | 43.21 | 43.21 | 43.21 | 43.21 | 43.21 | No | No | (No Data) | 13189.71 | No | (No Data) | No | (No Data) | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 | 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 - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 400088663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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) | Yes | Yes | 1 | 10.2746 | No | No | 3.926 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.44 | 43.16 | 43.44 | 43.16 | 43.16 | 43.16 | No | No | (No Data) | 3264.22 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 400094994 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5001 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1570.04 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.0190 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400088192 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5281.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5700.00 | No | (No Data) | 1.0792 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400088167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 8.6130 | Yes | Yes | 4.168 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.08 | 29.04 | 29.08 | 29.04 | 29.04 | 29.04 | Yes | Yes | Yes | 12505.3 | No | (No Data) | No | (No Data) | No | No | (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) | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 400088099 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | QM: Safe Harbor | XXXXXX | (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 | Yes | 1 | 8.4145 | No | No | 2.674 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 54.89 | 54.89 | 54.89 | 54.89 | 54.89 | 54.89 | Yes | Yes | Yes | 6341.56 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400094947 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8334.71 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6700.00 | No | (No Data) | 0.8038 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 2% of UPB | (No Data) | No | Yes | 1 | 7.2500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2366.9 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 1.3942 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095178 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | Yes | No | 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) | 0 | 35.65 | 0 | 35.65 | 35.65 | 35.65 | (No Data) | (No Data) | (No Data) | 17294.31 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 - 23 months; | (No Data) | (No Data) | (No Data) |
| 400088193 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.8427 | No | No | 4.78 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.39 | 49.99 | 49.39 | 49.99 | 49.99 | 49.99 | Yes | Yes | Yes | 2893.08 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> W2 - 12 months; | Award Letter - 12 months; | (No Data) | (No Data) |
| 400088062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2493.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.0427 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400088216 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 7.1116 | Yes | Yes | 4.462 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.93 | 29.93 | 29.93 | 29.93 | 29.93 | 29.93 | Yes | Yes | Yes | 12290.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 400088210 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 9.5611 | Yes | Yes | 4.976 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.88 | 33.88 | 33.88 | 33.88 | 33.88 | 33.88 | No | No | (No Data) | 18761.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 400088142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3368.11 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 1.0985 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400088176 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6370.55 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 7040.00 | No | (No Data) | 1.1051 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400088100 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4543.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5100.00 | No | (No Data) | 1.1224 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400088093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6551.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7000.00 | No | (No Data) | 1.0685 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9990 | Yes | No | 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) | 0 | 37.39 | 0 | 37.39 | 37.39 | 37.39 | (No Data) | (No Data) | (No Data) | 46247.81 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400088219 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.5632 | No | No | 4.872 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.36 | 48.36 | 48.36 | 48.36 | 48.36 | 48.36 | No | No | (No Data) | 2581.82 | No | (No Data) | No | (No Data) | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 400095140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2129.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.6434 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1587.95 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2450.00 | No | (No Data) | 1.5428 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400088145 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6258 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6400.00 | No | (No Data) | 1.0226 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400088103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2020.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2133.67 | No | (No Data) | 1.0558 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400088059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1481.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2150.00 | No | (No Data) | 1.4516 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094991 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2113.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2115.00 | No | (No Data) | 1.0005 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095054 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1800.68 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.1106 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095041 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3060.73 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 1.0781 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094926 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 10.1796 | Yes | Yes | 4.216 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.15 | 26.84 | 28.15 | 26.84 | 26.84 | 26.84 | No | No | (No Data) | 4069.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 | 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 - 36 months;<br> Lease Agreement - 12 months; | (No Data) | (No Data) | (No Data) |
| 400088125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3083.55 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.0377 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094937 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2530.81 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 0.7507 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094888 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 9.9966 | No | No | 4.716 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 53.95 | 53.95 | 53.95 | 53.95 | 53.95 | 53.95 | No | No | (No Data) | 4105.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) |
| 400095023 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1523.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.0503 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095102 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1991.48 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.3055 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095066 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1639.55 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.1588 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400088260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 9.8449 | Yes | Yes | 0.317 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.6 | 37.6 | 37.6 | 37.6 | 37.6 | 37.6 | Yes | Yes | Yes | 11914.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 400095114 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2752.02 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.3808 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400088232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2018.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.1890 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094990 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1442.8 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1450.00 | No | (No Data) | 1.0049 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094996 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1525.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.0160 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094987 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1544.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.0037 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095002 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1510.43 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.0261 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095009 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1584.9 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1645.00 | No | (No Data) | 1.0379 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1362.58 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.2843 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2147.3 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.3971 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095161 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 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) | 0 | 44.97 | 0 | 44.97 | 44.97 | 44.97 | (No Data) | (No Data) | (No Data) | 14147.03 | No | (No Data) | No | (No Data) | No | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 400095001 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4977.47 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5100.00 | No | (No Data) | 1.0246 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2522.04 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2950.00 | No | (No Data) | 1.1696 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095004 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13134.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | No | (No Data) | Yes | 13507.13 | 1.0284 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094992 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.8750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1698.72 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1720.00 | No | (No Data) | 1.0125 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094868 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 7.6761 | Yes | Yes | 2.56 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.52 | 33.54 | 33.52 | 33.54 | 33.54 | 33.54 | No | No | (No Data) | 53954.43 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 72 months;<br> Personal Bank Statements - 13 months; | CPA Letter without Income - 72 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) |
| 400094877 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 7.8836 | Yes | Yes | 1.685 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.57 | 36.57 | 36.57 | 36.57 | 36.57 | 36.57 | Yes | Yes | Yes | 20630.44 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400094847 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 9.2290 | Yes | Yes | 2.168 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.03 | 38.03 | 38.03 | 38.03 | 38.03 | 38.03 | Yes | Yes | Yes | 16772.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) | 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;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400094891 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 9.7893 | Yes | Yes | 4.977 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 5.07 | 5.07 | 5.07 | 5.07 | 5.07 | 5.07 | Yes | Yes | Yes | 63173.7 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400088155 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 8.1200 | Yes | Yes | 3.234 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.82 | 39.81 | 40.72 | 39.81 | 39.81 | 39.81 | No | No | (No Data) | 7303.5 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Personal Bank Statements - 13 months; | (No Data) | (No Data) |
| 400094922 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 9.1671 | Yes | Yes | 3.33 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.42 | 30.5 | 30.42 | 30.5 | 30.5 | 30.5 | No | Yes | Yes | 9581.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400095150 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1335.89 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.8714 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094965 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2498.52 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2450.00 | No | (No Data) | 0.9805 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095077 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 8.7500 | No | No | 0.972 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1429.94 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.1888 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095064 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2241.76 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.1598 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2613.97 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 1.6067 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095070 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1285.39 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1495.00 | No | (No Data) | 1.1630 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094969 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3584.91 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3600.00 | No | (No Data) | 1.0042 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095020 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6546.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 7000.00 | 1.0692 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094959 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 8.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1613.04 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1400.00 | No | (No Data) | 0.8679 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094953 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2697.04 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2250.00 | No | (No Data) | 0.8342 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095090 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 8.7500 | No | No | 0.972 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1453 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1825.00 | No | (No Data) | 1.2560 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094864 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 8.3601 | Yes | Yes | 3.316 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.46 | 36.46 | 36.46 | 36.46 | 36.46 | 36.46 | No | No | (No Data) | 26647.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) | 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;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1989.82 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.4071 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094989 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1437.23 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1450.00 | No | (No Data) | 1.0088 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2095.09 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.1932 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1319 | Yes | Yes | 2.442 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 16.64 | 16.64 | 16.64 | 16.64 | 16.64 | 16.64 | No | No | (No Data) | 62440.58 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400094964 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7961.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7800.00 | No | (No Data) | 0.9797 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094940 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3663.5 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2850.00 | No | (No Data) | 0.7779 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1903.43 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.4184 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 8.9990 | No | No | 1 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1283.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1875.00 | No | (No Data) | 1.4603 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1412.68 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.2387 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095078 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2087.64 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.1975 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1110.2 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.3961 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095146 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2441.65 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4150.00 | No | (No Data) | 1.6996 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094875 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 7.4115 | Yes | Yes | 2.805 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.69 | 28.69 | 28.69 | 28.69 | 28.69 | 28.69 | No | No | (No Data) | 12156.3 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400095068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1374.64 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.1639 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095021 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1618.8 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.0501 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095130 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1621.42 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.5418 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094936 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3266.63 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2450.00 | No | (No Data) | 0.7500 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095018 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2243.26 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 1.0475 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095052 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4522.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.1054 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (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) | 0 | 45.47 | 0 | 45.47 | 45.47 | 45.47 | (No Data) | (No Data) | (No Data) | 10197.51 | No | (No Data) | No | (No Data) | No | No | (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) | Yes | 24 | 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 | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | 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 - 36 months; | 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) |
| 400094939 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3258.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 0.7672 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095045 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1800.67 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 1.0829 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094897 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 8.8868 | No | No | 4.424 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.99 | 49.99 | 49.99 | 49.99 | 49.99 | 49.99 | No | No | (No Data) | 1987.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | 1099 - 12 months;<br> Award Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 400094887 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 9.1608 | No | No | 4.076 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.53 | 44.07 | 44.53 | 44.07 | 44.07 | 44.07 | Yes | Yes | Yes | 4950.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400094934 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 8.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2535.78 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1775.00 | No | (No Data) | 0.6999 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094955 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4240.17 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3300.00 | No | (No Data) | 0.7782 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 7.9991 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2626.84 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 0.8755 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095073 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1021.11 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.1751 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095038 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1859.48 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1995.00 | No | (No Data) | 1.0728 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094927 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 8.4860 | Yes | Yes | 3.173 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 5.06 | 5.06 | 5.06 | 5.06 | 5.06 | 5.06 | No | No | (No Data) | 70558.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 400095174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | Yes | No | 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) | 0 | 37.15 | 0 | 37.15 | 37.15 | 37.15 | (No Data) | (No Data) | (No Data) | 12315.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400094890 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 7.8963 | No | No | 3.726 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.25 | 44.25 | 44.25 | 44.25 | 44.25 | 44.25 | No | No | (No Data) | 2609.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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) |
| 400094967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1989.4 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.0053 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095015 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1430.34 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1475.00 | No | (No Data) | 1.0312 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094861 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 8.0275 | Yes | Yes | 2.044 | Unavailable | (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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.26 | 30.97 | 30.26 | 30.97 | 30.97 | 30.97 | No | Yes | Yes | 9560.55 | No | (No Data) | No | (No Data) | No | No | (No Data) | (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) | Yes | 48 | Yes | 28 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months;<br> W2 - 12 months;<br> Written VOE - 48 months; | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| 400095168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | Yes | No | 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) | 0 | 16.22 | 0 | 16.22 | 16.22 | 16.22 | (No Data) | (No Data) | (No Data) | 42328.53 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) |
| 400095109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4628.24 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6340.00 | No | (No Data) | 1.3698 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094966 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3513.28 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 0.9962 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -898.55 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1275.00 | No | (No Data) | 1.4189 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095086 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4004.37 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.2486 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2087.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.1016 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095033 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5310.29 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (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 | (No Data) | (No Data) | Yes | 5680.00 | No | (No Data) | 1.0696 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094963 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3644.98 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 0.9602 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095044 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1656.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.0864 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094856 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.6628 | No | No | 4.046 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.08 | 48.94 | 48.94 | 48.94 | 48.94 | 48.94 | No | No | (No Data) | 14595.86 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 400095165 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 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) | 0 | 46.25 | 0 | 46.25 | 46.25 | 46.25 | (No Data) | (No Data) | (No Data) | 33465.5 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 | 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 - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095112 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1275.15 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.3723 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1150.81 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 2.0420 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2050.85 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.0727 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095179 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | 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) | 0 | 9.11 | 0 | 9.11 | 9.11 | 9.11 | (No Data) | (No Data) | (No Data) | 63275.44 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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 Tax Return - 12 months;<br> CPA Letter - 1 months; | (No Data) | (No Data) |
| 400094862 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 7.3883 | Yes | Yes | 2.341 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.49 | 32.68 | 32.49 | 32.68 | 32.68 | 32.68 | Yes | Yes | Yes | 27719.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 400095028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 8.8750 | No | No | 0.986 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2039.43 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2175.00 | No | (No Data) | 1.0664 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094998 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2728.49 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.0262 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2502.06 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.2789 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094979 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0.861 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4280.25 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (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 | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 1.0513 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095014 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 7.2500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2813.39 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.0308 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094873 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 8.1314 | No | Yes | 2.378 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -9493.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 6 months; | (No Data) | (No Data) | (No Data) |
| 400095053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3410.45 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.1142 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094946 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2303.19 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 0.8032 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2427.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 0.8652 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095032 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1456.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.0639 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095031 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1431.33 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.0829 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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;<br> DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 9.5000 | No | No | 1.056 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1386.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.5862 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095071 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1320.69 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1550.00 | No | (No Data) | 1.1736 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094971 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1899.41 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.0003 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095006 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1727.38 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1780.00 | No | (No Data) | 1.0304 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094923 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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) | Yes | No | 1 | 7.8462 | Yes | Yes | 3.729 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.48 | 40.48 | 40.48 | 40.48 | 40.48 | 40.48 | No | No | (No Data) | 2940.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (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 | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2064.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 2.0345 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | Yes | 1 | 8.5543 | No | No | 2.415 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 52.6 | 52.6 | 52.6 | 52.6 | 52.6 | 52.6 | Yes | Yes | Yes | 12311.35 | No | (No Data) | No | (No Data) | No | No | (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) | Yes | 32 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 276 | No | (No Data) | No | (No Data) | No | (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 - 276 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months; | (No Data) | (No Data) |
| 400095034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3632.63 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3900.00 | No | (No Data) | 1.0736 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095172 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | Yes | No | 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) | 0 | 20.01 | 0 | 20.01 | 20.01 | 20.01 | (No Data) | (No Data) | (No Data) | 116704.57 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 Data) | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) |
| 400095149 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4061.78 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 7600.00 | 1.8711 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094863 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1365 | Yes | Yes | 2.359 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.12 | 27.48 | 27.12 | 27.48 | 27.48 | 27.48 | No | No | (No Data) | 22813.2 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 - 192 months; | Business Bank Statements - 12 months;<br> CPA Letter - 192 months; | (No Data) | (No Data) |
| 400094870 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 8.6528 | Yes | Yes | 2.447 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.42 | 41.17 | 42.42 | 41.17 | 41.17 | 41.17 | No | No | (No Data) | 9440.29 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 13 months; | CPA Letter without Income - 84 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) |
| 400095039 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1751.57 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1875.00 | No | (No Data) | 1.0705 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 8.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7736.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 8732.00 | No | (No Data) | 1.1287 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095151 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6120.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 12100.00 | No | (No Data) | 1.9768 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095088 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6553.96 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 8200.00 | No | (No Data) | 1.2511 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095040 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1673.01 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.0759 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2487.29 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (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 | (No Data) | (No Data) | Yes | 3080.00 | No | (No Data) | 1.2382 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095176 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 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) | 0 | 28.28 | 0 | 28.28 | 28.28 | 28.28 | (No Data) | (No Data) | (No Data) | 26086.69 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400094948 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3904.2 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3185.00 | No | (No Data) | 0.8157 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095080 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1743.84 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2100.00 | No | (No Data) | 1.2042 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.1270 | Yes | No | 3.856 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.11 | 46.11 | 46.11 | 42.87 | 42.87 | 46.11 | No | No | (No Data) | 12940.45 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 400094983 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.5000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2266.31 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2275.00 | No | (No Data) | 1.0038 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094997 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2168.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.0143 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094932 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 7.8879 | No | Yes | 2.407 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -6853.49 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 6 months; | (No Data) | (No Data) | (No Data) |
| 400094928 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 7.9223 | Yes | Yes | 3.889 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.34 | 22.34 | 22.34 | 22.34 | 22.34 | 22.34 | No | Yes | Yes | 8019.52 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400094872 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 9.2177 | Yes | Yes | 3.113 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | 13.8 | No | No | (No Data) | 195001.16 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400094925 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 8.4154 | Yes | Yes | 3.892 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.82 | 36.82 | 36.82 | 36.82 | 36.82 | 36.82 | Yes | Yes | Yes | 9971.55 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400094882 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0231 | No | No | 2.106 | 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 Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.36 | 46.97 | 47.36 | 46.97 | 46.97 | 46.97 | No | No | (No Data) | 29081.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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; | (No Data) | (No Data) | (No Data) |
| 400095016 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 0.847 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2703.11 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2800.00 | No | (No Data) | 1.0358 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3500.17 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4100.00 | No | (No Data) | 1.1713 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094894 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 8.7995 | Yes | Yes | 2.719 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.24 | 17.32 | 17.24 | 17.32 | 17.32 | 17.32 | Yes | Yes | Yes | 53766.93 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) | 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 - 36 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) |
| 400095111 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1346.87 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.3735 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094886 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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) | Yes | Yes | 1 | 8.2066 | No | No | 4.026 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.47 | 49.47 | 49.47 | 49.47 | 49.47 | 49.47 | No | No | (No Data) | 3573.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400095147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2702.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.8503 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095019 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 0.847 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2572.1 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.0497 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095007 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3280.93 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.0362 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 0.847 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2566.33 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.0520 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 10.0827 | Yes | Yes | 4.258 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.31 | 23.19 | 23.31 | 23.19 | 23.19 | 23.19 | No | Yes | Yes | 27331.83 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 400095173 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 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) | 0 | 49.77 | 0 | 49.77 | 49.77 | 49.77 | (No Data) | (No Data) | (No Data) | 5289.75 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 400095164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | Yes | No | 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) | 0 | 35.22 | 0 | 35.22 | 35.22 | 35.22 | (No Data) | (No Data) | (No Data) | 9481.16 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (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 Data) | Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 400095129 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2587.68 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.5457 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095098 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1482.63 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.2815 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095089 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4018.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5200.00 | No | (No Data) | 1.2933 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 7.6250 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1363.74 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.3198 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094895 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 8.0818 | Yes | Yes | 3.093 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 8.46 | 9.47 | 8.46 | 9.47 | 9.47 | 9.47 | No | No | (No Data) | 85450.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 400095000 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1615.79 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.0211 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094931 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | Yes | 1 | 7.8823 | No | No | 3.943 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.68 | 45.68 | 45.68 | 45.68 | 45.68 | 45.68 | No | Yes | Yes | 3057.19 | No | (No Data) | No | (No Data) | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 400095136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1386.1 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.5871 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094943 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3058.31 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2395.00 | No | (No Data) | 0.7831 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095110 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1755.12 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.3674 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094972 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4487.18 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4500.00 | No | (No Data) | 1.0028 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094977 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1958.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.0213 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1694.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2175.00 | No | (No Data) | 1.2835 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095131 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -967.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.5507 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095115 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1333.11 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1850.00 | No | (No Data) | 1.3877 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1103.72 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.3590 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095108 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1321.59 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.3619 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095126 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -985.03 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.5227 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095079 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.9991 | No | No | 0.889 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6040.38 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 7200.00 | No | (No Data) | 1.1919 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.5000 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2673.61 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2325.00 | No | (No Data) | 0.8696 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 8.7699 | Yes | Yes | 2.001 | 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 Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.61 | 20.61 | 20.61 | 20.61 | 20.61 | 20.61 | Yes | Yes | Yes | 22667.03 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 Only - 24 months; | (No Data) | (No Data) | (No Data) |
| 400095003 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1902.62 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1930.00 | No | (No Data) | 1.0143 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | Yes | No | 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) | 0 | 40.83 | 0 | 40.83 | 40.83 | 40.83 | (No Data) | (No Data) | (No Data) | 7120.05 | No | (No Data) | No | (No Data) | No | Yes | (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) | 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) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 72 months; | (No Data) | (No Data) |
| 400094899 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 8.5657 | No | No | 3.653 | Unavailable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.01 | 48.46 | 49.01 | 48.46 | 48.46 | 48.46 | Yes | Yes | Yes | 4053.37 | No | (No Data) | No | (No Data) | No | (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 | 45 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 45 months; | (No Data) | (No Data) | (No Data) |
| 400094855 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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) | No | No | 1 | 8.6685 | Yes | Yes | 1.475 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.53 | 38.53 | 38.53 | 38.53 | 38.53 | 38.53 | Yes | Yes | Yes | 9602.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 400094910 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 8.3537 | Yes | Yes | 2.087 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.72 | 29.45 | 29.72 | 29.45 | 29.45 | 29.45 | No | Yes | Yes | 40404.85 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400095125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1819.85 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2740.00 | No | (No Data) | 1.5056 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094956 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2363.36 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2025.00 | No | (No Data) | 0.8568 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094903 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 9.8373 | Yes | Yes | 1.159 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 20.62 | 24.16 | 20.62 | 24.16 | 24.16 | 24.16 | No | No | (No Data) | 52642.97 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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; | (No Data) | (No Data) |
| 400094975 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5001 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3979.62 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 1.0051 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2577.96 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 1.1637 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095010 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1889.83 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 1.0318 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095051 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1538.3 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.1051 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095091 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1383.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1755.00 | No | (No Data) | 1.2681 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095097 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1637.1 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2100.00 | 1.2827 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1989.29 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4145.00 | No | (No Data) | 2.0837 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095050 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2845.28 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3150.00 | No | (No Data) | 1.1070 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094974 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3079.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.0065 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095022 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1135.63 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.0566 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094900 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 8.3841 | No | No | 3.626 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.83 | 46.54 | 45.83 | 46.54 | 46.54 | 46.54 | No | Yes | Yes | 6779.79 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400095101 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1282.92 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1675.00 | No | (No Data) | 1.3056 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094853 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 7.5037 | Yes | Yes | 2.394 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.92 | 20.92 | 20.92 | 20.92 | 20.92 | 20.92 | Yes | Yes | Yes | 16209.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 400095100 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2191.99 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2850.00 | No | (No Data) | 1.3001 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094949 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.5000 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7918.13 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 6500.00 | No | (No Data) | 0.8209 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095058 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2033.63 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.1309 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094970 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2735.23 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2750.00 | No | (No Data) | 1.0053 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094885 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | Yes | 1 | 9.2031 | No | No | 3.506 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.99 | 49.99 | 49.99 | 49.99 | 49.99 | 49.99 | No | Yes | Yes | 3577.83 | No | (No Data) | No | (No Data) | No | No | (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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 32 | 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) | Paystub - 1 months;<br> W2 - 24 months; | CPA Letter without Income - 32 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 400094973 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.7499 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1820.04 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1825.00 | No | (No Data) | 1.0027 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094898 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 8.2508 | Yes | Yes | 2.226 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.17 | 34.18 | 34.17 | 34.18 | 34.17 | 34.18 | Yes | Yes | Yes | 6595.67 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 27 | No | (No Data) | No | (No Data) | No | (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 - 27 months; | (No Data) | (No Data) | (No Data) |
| 400095099 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3183.74 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4150.00 | No | (No Data) | 1.3034 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095046 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2193.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2390.00 | No | (No Data) | 1.0893 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7131.02 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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 | (No Data) | (No Data) | Yes | 18104.00 | No | (No Data) | 2.5387 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094986 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4570.12 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4600.00 | No | (No Data) | 1.0065 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094929 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | 7.6867 | Yes | Yes | 4.033 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.92 | 26.83 | 26.92 | 26.83 | 26.83 | 26.83 | No | Yes | Yes | 7847.78 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 400094869 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor | XXXXXX | (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 | 7.5028 | Yes | Yes | 1.306 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.73 | 38.73 | 38.73 | 38.73 | 38.73 | 38.73 | No | No | (No Data) | 19451.15 | No | (No Data) | No | (No Data) | No | No | (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 | 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 | (No Data) | (No Data) | No | (No Data) | No | (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;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) |
| 400095084 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1291.65 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1600.00 | No | (No Data) | 1.2387 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095143 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1879.91 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.7022 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095094 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1731.97 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.2702 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094914 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (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 | Yes | 1 | 10.2010 | No | No | 2.817 | 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 | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 52.97 | 52.96 | 52.96 | 52.96 | 52.96 | 52.96 | No | No | (No Data) | 5470.91 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L - 24 months; | (No Data) | (No Data) | (No Data) |
| 400094995 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2110.14 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2150.00 | No | (No Data) | 1.0188 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2818.91 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.1351 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095158 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | Yes | No | 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) | 0 | 13.38 | 0 | 13.38 | 13.38 | 13.38 | (No Data) | (No Data) | (No Data) | 46386.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 400094950 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3741.28 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 0.8285 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094968 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2199.96 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.0000 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095037 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2162.09 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2325.00 | No | (No Data) | 1.0753 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095055 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1336.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1500.00 | No | (No Data) | 1.1219 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094999 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1851.63 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1900.00 | No | (No Data) | 1.0261 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094906 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor | XXXXXX | (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 | 8.1822 | No | No | 1.69 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.56 | 43.06 | 48.56 | 43.06 | 43.06 | 43.06 | Yes | Yes | Yes | 11881.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 12 | 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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 400094976 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3747.86 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3750.00 | No | (No Data) | 1.0005 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095035 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 0.778 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3292.67 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3525.00 | No | (No Data) | 1.0705 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095074 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2122.24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.1780 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095180 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | Yes | No | 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) | 0 | 36.24 | 0 | 36.24 | 36.24 | 36.24 | (No Data) | (No Data) | (No Data) | 9098.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 400094892 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (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 | 8.9517 | Yes | Yes | 2.953 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.35 | 37.34 | 37.34 | 37.34 | 37.34 | 37.34 | No | No | (No Data) | 24631.21 | No | (No Data) | No | (No Data) | No | No | (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 | 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 | (No Data) | (No Data) | No | (No Data) | No | (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 | 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 - 24 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) |
| 400095065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2704.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.2572 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095005 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2984.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3050.00 | No | (No Data) | 1.0220 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094951 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3591.68 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 0.8352 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095012 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1302.97 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1350.00 | No | (No Data) | 1.0360 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2131.48 | No | (No Data) | No | (No Data) | No | Yes | 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 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.1728 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1766.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.1323 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3506.27 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5700.00 | No | (No Data) | 1.6257 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.2500 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3044.35 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 0.7554 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095029 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4392.28 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4730.00 | No | (No Data) | 1.0769 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095133 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2019.36 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3200.00 | No | (No Data) | 1.5846 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094942 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.9990 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3514.57 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 0.8820 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094851 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor | XXXXXX | (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 | 8.1009 | Yes | Yes | 1.727 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.8 | 34.73 | 34.8 | 34.73 | 34.73 | 34.73 | No | No | (No Data) | 14396.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| 400094982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 2 mos interest on amt prepd >1/3 of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0.82 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2495.82 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2500.00 | No | (No Data) | 1.0016 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2337.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 1.0052 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400095011 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1685.68 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.0381 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 400094935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.6250 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3243.34 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2450.00 | No | (No Data) | 0.7553 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |

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©2025 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.

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SAN 2025-NQM3** |
| **Start - End Dates:** | **8/7/2024 - 2/7/2025** |
| **Deal Loan Count:** | **270** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *270* |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **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** |
| 400072696 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400081662 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094993 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400072701 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400081692 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400081696 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400088252 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400081706 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400088169 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 8489 | XXXXXX | 7.4208 | Employed | Unemployed | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| 400095061 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400088055 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094915 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12871.5 | XXXXXX | 7.7086 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400088663 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4775.5 | XXXXXX | 10.2746 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 400094994 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400088192 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400088167 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13387 | XXXXXX | 8.613 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 12505.3 |
| 400088099 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 20409 | XXXXXX | 8.4145 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6341.56 |
| 400094947 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095106 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095178 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400088193 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10412.75 | XXXXXX | 9.8427 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 2893.08 |
| 400088062 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 400088216 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 27161 | XXXXXX | 7.1116 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 12290.28 |
| 400088210 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 36551.5 | XXXXXX | 9.5611 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400088142 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 400088176 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400088100 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 400088093 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 400095175 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400088219 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9128.38 | XXXXXX | 9.5632 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400095140 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.8749 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095127 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400088145 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.25 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 400088103 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400088059 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094991 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 400095054 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 400095041 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094926 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4010 | XXXXXX | 10.1796 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400088125 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 400094937 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094888 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 22331.5 | XXXXXX | 9.9966 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400095023 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095102 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 400095066 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400088260 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 1834.24 | XXXXXX | 9.8449 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 11914.76 |
| 400095114 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400088232 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094990 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094996 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094987 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095002 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095009 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095128 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095117 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095161 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095001 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095067 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095004 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094992 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094868 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 25456.1 | XXXXXX | 7.6761 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 400094877 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 5124.02 | XXXXXX | 7.8836 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 25517.45 |
| 400094847 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 13845.21 | XXXXXX | 9.229 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 16772.44 |
| 400094891 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9350.9 | XXXXXX | 9.7893 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 63173.7 |
| 400088155 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6707.4 | XXXXXX | 8.12 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| 400094922 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9372.13 | XXXXXX | 9.1671 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 9581.52 |
| 400095150 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094965 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095077 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095064 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095137 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095070 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094969 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 400095020 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 400094959 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094953 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095090 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094864 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16960.25 | XXXXXX | 8.3601 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400095119 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094989 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095048 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094874 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 16144 | XXXXXX | 8.1319 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400094964 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094940 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 400095120 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 400095122 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095085 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095078 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095118 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095146 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094875 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6394 | XXXXXX | 7.4115 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 400095068 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095021 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 400095130 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094936 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095018 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 400095052 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095163 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094939 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095045 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094897 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7708.84 | XXXXXX | 8.8868 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400094887 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5819 | XXXXXX | 9.1608 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4950.92 |
| 400094934 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094955 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094960 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095073 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095038 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094927 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4898 | XXXXXX | 8.486 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400095174 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094890 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4562.75 | XXXXXX | 7.8963 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400094967 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095015 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094861 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6914 | XXXXXX | 8.0275 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 9560.55 |
| 400095168 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095109 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094966 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 400095121 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095086 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095049 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095033 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 400094963 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095044 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094856 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 44767.13 | XXXXXX | 7.6628 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 400095165 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095112 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095153 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095036 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095179 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Employed | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 400094862 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 13844 | XXXXXX | 7.3883 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | Yes | 27967.61 |
| 400095028 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094998 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095095 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094979 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095014 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094873 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 19284 | XXXXXX | 8.1314 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400095053 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094946 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094958 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095032 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095031 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095134 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095071 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094971 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095006 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094923 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4619 | XXXXXX | 7.8462 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400095152 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094901 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 28334 | XXXXXX | 8.5543 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 12311.35 |
| 400095034 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095172 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095149 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094863 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 13102 | XXXXXX | 8.1365 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 400094870 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 10619 | XXXXXX | 8.6528 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| 400095039 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095056 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095151 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095088 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 400095040 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095082 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 400095176 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094948 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095080 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094916 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 41618.57 | XXXXXX | 8.127 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400094983 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094997 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094932 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 16488 | XXXXXX | 7.8879 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400094928 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5710.25 | XXXXXX | 7.9223 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 8019.52 |
| 400094872 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 37660.25 | XXXXXX | 9.2177 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400094925 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 20486.75 | XXXXXX | 8.4154 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 9971.55 |
| 400094882 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 31019 | XXXXXX | 8.0231 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400095016 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095062 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 400094894 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 23387.75 | XXXXXX | 8.7995 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 53767.01 |
| 400095111 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094886 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5781.5 | XXXXXX | 8.2066 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400095147 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.8749 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095019 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095007 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095024 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094848 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 24362.75 | XXXXXX | 10.0827 | Employed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 27331.83 |
| 400095173 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095164 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095129 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095098 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095089 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095103 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094895 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 19404 | XXXXXX | 8.0818 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400095000 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094931 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5619.5 | XXXXXX | 7.8823 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 3057.19 |
| 400095136 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094943 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095110 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094972 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094977 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095096 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095131 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095115 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095105 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095108 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095126 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095079 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094957 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094884 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 11776.5 | XXXXXX | 8.7699 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 22667.03 |
| 400095003 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095171 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094899 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8591.5 | XXXXXX | 8.5657 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4053.37 |
| 400094855 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9289 | XXXXXX | 8.6685 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 9602.53 |
| 400094910 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 17144 | XXXXXX | 8.3537 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 40405.7 |
| 400095125 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094956 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094903 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12409.68 | XXXXXX | 9.8373 | Unemployed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| 400094975 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095069 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095010 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095051 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095091 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095097 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095154 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095050 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094974 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095022 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094900 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 24191.8 | XXXXXX | 8.3841 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 6779.46 |
| 400095101 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094853 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 11854 | XXXXXX | 7.5037 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 16209.22 |
| 400095100 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094949 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095058 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094970 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 400094885 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9256.5 | XXXXXX | 9.2031 | Unemployed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 3577.83 |
| 400094973 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.7499 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 400094898 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 8692.6 | XXXXXX | 8.2508 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6595.67 |
| 400095099 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095046 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095156 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094986 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094929 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 5887.75 | XXXXXX | 7.6867 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 7847.78 |
| 400094869 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 11964.57 | XXXXXX | 7.5028 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 400095084 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095143 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095094 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094914 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 7515.5 | XXXXXX | 10.201 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400094995 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095060 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095158 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094950 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094968 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095037 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 400095055 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094999 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094906 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 17435.5 | XXXXXX | 8.1822 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 11881.53 |
| 400094976 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.999 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 400095035 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095074 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095180 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094892 | QM: Rebuttable Presumption (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 42944 | XXXXXX | 8.9517 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 400095065 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095005 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094951 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095012 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095075 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400095059 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095138 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094938 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095029 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095133 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094942 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094851 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 15056 | XXXXXX | 8.1009 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 400094982 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400094984 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 400095011 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 400094935 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |

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©2025 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.

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| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** |
| 400072696 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.7500 | 1331.10 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400081662 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 1968.75 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094993 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.5000 | 1744.28 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Bulk | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400072701 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1531.70 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400081692 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 2289.13 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400081696 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 811.37 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 72.97 | 72.97 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088252 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 3081.54 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 62.96 | 62.96 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400081706 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 1907.61 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088169 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 2088.53 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 26.50 | 26.50 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095061 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1664.10 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088055 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1068.52 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094915 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 3585.57 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088663 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.9990 | 1096.87 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 29.62 | 29.62 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094994 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1344.69 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088192 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 4445.14 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088167 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 2512.61 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 59.89 | 59.89 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088099 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 5850.88 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094947 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.8750 | 6862.44 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095106 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1773.66 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 2% of UPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 56.52 | 56.52 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095178 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 3259.11 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088193 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.5000 | 1891.92 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088062 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1806.68 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 66.30 | 66.30 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088216 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.6250 | 4110.80 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088210 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 6227.22 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088142 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 2279.23 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088176 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 20 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 2025.55 | Monthly | XXXXXX | 240 | 240 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088100 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 3827.35 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088093 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 5457.35 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095175 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 8447.78 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088219 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 1595.02 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095140 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 1518.23 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 36.05 | 36.05 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095127 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1263.95 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 74.51 | 74.51 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088145 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.2500 | 5126.04 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088103 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1253.99 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 56.28 | 56.28 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088059 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 909.52 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 57.94 | 57.94 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094991 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.7500 | 1363.68 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 57.60 | 57.60 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095054 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1228.86 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 64.14 | 64.14 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095041 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 2671.19 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 71.40 | 71.40 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094926 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.6250 | 849.99 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 74.07 | 74.07 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088125 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1964.07 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094937 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.3750 | 2152.15 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094888 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.7500 | 4166.90 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 67.36 | 67.36 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095023 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.6250 | 1088.91 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095102 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 1268.87 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 49.44 | 49.44 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095066 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1502.22 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088260 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.8750 | 5040.76 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095114 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 2010.32 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088232 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 1113.75 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 34.48 | 34.48 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094990 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 951.31 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 69.81 | 69.81 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094996 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 969.42 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094987 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 984.64 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095002 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 964.34 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095009 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 1391.63 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095128 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1136.16 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095117 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1696.35 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 53.13 | 53.13 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095161 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 2840.02 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095001 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 3934.90 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 41.52 | 41.52 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095067 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.7500 | 2233.80 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095004 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 12428.79 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094992 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.8750 | 1213.52 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094868 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 7159.96 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094877 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 2208.32 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094847 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 5249.69 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094891 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.1250 | 1626.62 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400088155 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 1546.88 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094922 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.7500 | 2301.10 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095150 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1023.26 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 46.99 | 46.99 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094965 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 1939.69 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095077 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.7500 | 996.75 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095064 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 1442.43 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095137 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 2267.14 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.65 | 65.65 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095070 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1060.78 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to inspections w/inspections | XXXXXX | (No Data) | XXXXXX | 69.11 | 69.11 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094969 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 2833.90 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095020 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 5383.95 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094959 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 1407.96 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094953 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 1725.67 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095090 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.7500 | 1258.72 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094864 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 3895.92 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095119 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1440.07 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094989 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 931.17 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095048 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 1407.14 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 61.20 | 61.20 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094874 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 4930.47 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094964 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 6743.75 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 59.96 | 59.96 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094940 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 2537.74 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 53.85 | 53.85 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095120 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1061.69 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 50.00 | 50.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095122 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 1121.74 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095085 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1221.37 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 76.50 | 76.50 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095078 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.7500 | 1786.24 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.53 | 60.53 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095118 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 992.36 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 76.50 | 76.50 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095146 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1663.09 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 39.87 | 39.87 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094875 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1583.24 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 23.50 | 23.50 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095068 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1237.13 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 63.19 | 63.19 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095021 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 1330.49 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095130 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1327.11 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094936 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 2394.66 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095018 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1150.16 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 59.09 | 59.09 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095052 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 3199.78 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095163 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.7500 | 8028.30 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 76.12 | 76.12 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094939 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.5000 | 2652.75 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | Full Appraisal | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095045 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 1141.98 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094897 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.3750 | 1391.69 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 53.07 | 53.07 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094887 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.6250 | 1166.68 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 56.60 | 56.60 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094934 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 2196.42 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094955 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.6250 | 3402.83 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 71.08 | 71.08 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094960 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 2362.50 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095073 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.7500 | 784.73 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095038 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1248.10 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 71.40 | 71.40 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094927 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 1189.48 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095174 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 2470.63 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094890 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 891.50 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 40.48 | 40.48 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094967 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 1767.97 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095015 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1155.43 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094861 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 2493.11 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095168 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 1914.18 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095109 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 2899.64 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094966 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 2586.95 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095121 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 766.65 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 69.38 | 69.38 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095086 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 3438.17 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095049 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1596.56 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095033 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 3108.04 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 50.56 | 50.56 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094963 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 2949.63 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095044 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 1438.67 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094856 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 7862.08 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 74.12 | 74.12 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095165 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 3534.71 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095112 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1029.84 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095153 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 924.41 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095036 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1685.25 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095179 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1835.44 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094862 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 4092.84 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095028 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.8750 | 1058.21 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094998 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 2203.06 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 62.88 | 62.88 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095095 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 2095.49 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 42.57 | 42.57 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094979 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 3492.51 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095014 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 2039.71 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 74.94 | 74.94 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094873 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 6032.58 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095053 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 3096.19 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Rural | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 64.92 | 64.92 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094946 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.3750 | 1852.68 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094958 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1713.08 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095032 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 979.86 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095031 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 979.86 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095134 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.5000 | 1135.99 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095071 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 989.60 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094971 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1680.79 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 74.89 | 74.89 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095006 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1355.83 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 48 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 74.72 | 74.72 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094923 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 897.88 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 47.27 | 47.27 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095152 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 1380.46 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094901 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.5000 | 9103.94 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095034 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 2434.76 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095172 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 4060.39 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Rural | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095149 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 3479.10 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 56.73 | 56.73 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094863 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 4135.80 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094870 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.3750 | 3391.82 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 71.40 | 71.40 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095039 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 1455.29 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095056 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 6597.32 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095151 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 5847.75 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 38.64 | 38.64 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095088 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 5507.42 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095040 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 990.91 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 50.00 | 50.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095082 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 1638.34 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095176 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.5000 | 2652.75 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094948 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 3229.86 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095080 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1319.50 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094916 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 7304.75 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 70.47 | 70.47 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094983 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.5000 | 1967.60 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094997 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1970.63 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094932 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 4989.59 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 63.80 | 63.80 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094928 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1069.80 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 27.32 | 27.32 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094872 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.8750 | 9953.52 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094925 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 4016.98 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094882 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 10867.86 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Second Home | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095016 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 2187.03 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095062 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.8750 | 2536.11 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094894 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.5000 | 6804.88 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095111 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1061.91 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094886 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 1074.62 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 28.85 | 28.85 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095147 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 914.19 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | High Rise Condo (9+) | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 19.70 | 19.70 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095019 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 2064.93 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095007 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 2483.12 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095024 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 2070.24 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094848 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.8750 | 5079.84 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095173 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 1155.57 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095164 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 2059.32 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095129 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1778.88 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 71.40 | 71.40 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095098 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 1192.11 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095089 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 3143.24 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095103 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1114.78 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094895 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 4642.35 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095000 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.8750 | 1126.63 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094931 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1036.01 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 23.08 | 23.08 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095136 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1061.69 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094943 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 2685.32 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095110 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1247.32 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094972 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 2918.28 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 79.47 | 79.47 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094977 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 1650.53 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 69.79 | 69.79 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095096 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1381.35 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 43.01 | 43.01 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095131 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 725.21 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095115 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1031.11 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.31 | 60.31 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095105 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 875.83 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 63.11 | 63.11 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095108 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1031.11 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 63.27 | 63.27 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095126 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 774.78 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 62.50 | 62.50 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095079 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 4955.38 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 69.99 | 69.99 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094957 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.5000 | 1528.22 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094884 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.5000 | 4655.77 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095003 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1422.34 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095171 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | 1643.87 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094899 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 1826.90 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094855 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.5000 | 4921.05 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 83.66 | 83.66 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094910 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 6236.98 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095125 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1406.74 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094956 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1470.44 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094903 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.7500 | 9305.93 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 90.00 | 90.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094975 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 3281.25 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095069 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1813.02 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095010 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | 1635.68 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 68.80 | 68.80 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095051 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 1334.13 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095091 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 1129.89 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095097 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1358.96 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095154 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1579.93 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 74.69 | 74.69 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095050 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1817.96 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 56.52 | 56.52 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094974 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 2175.00 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 58.54 | 58.54 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095022 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.6250 | 1001.79 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094900 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 5078.93 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095101 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.6250 | 866.99 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 51.00 | 51.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094853 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 3465.46 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095100 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1036.01 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 37.78 | 37.78 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094949 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.5000 | 6763.49 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 59.58 | 59.58 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095058 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1573.23 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094970 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 2149.73 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094885 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.7500 | 2163.43 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 74.32 | 74.32 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094973 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.7500 | 1476.80 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094898 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 2934.19 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095099 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | 2524.49 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095046 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 1870.92 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095156 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 5281.91 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094986 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 3730.78 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094929 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1040.32 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 30.50 | 30.50 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094869 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 6409.47 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095084 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.7500 | 991.24 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095143 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 1549.49 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095094 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1337.07 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094914 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.9990 | 2383.28 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094995 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1633.37 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095060 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 2188.38 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095158 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.7500 | 3835.16 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094950 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.3750 | 2128.20 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094968 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1563.00 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 76.20 | 76.20 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095037 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1150.94 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 50.00 | 50.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095055 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1064.38 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 66.67 | 66.67 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094999 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1447.92 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094906 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 7703.80 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 59.73 | 59.73 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094976 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.9990 | 3119.61 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 58.50 | 58.50 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095035 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 2704.18 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 66.53 | 66.53 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095074 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | 1739.55 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Rural | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 54.26 | 54.26 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095180 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 2055.58 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094892 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.6250 | 11666.85 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 84.08 | 84.08 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095065 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.3750 | 2351.77 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095005 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 2548.64 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094951 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 3007.81 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095012 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.2500 | 932.25 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095075 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 1816.48 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 52.60 | 52.60 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095059 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | 1387.28 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095138 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 1967.77 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 31.47 | 31.47 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094938 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.2500 | 2529.73 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095029 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.9990 | 3472.53 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095133 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 1359.51 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094942 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 40 Yr Fixed Interest Only | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.9990 | 3234.02 | Monthly | XXXXXX | 480 | 480 | No | (No Data) | Yes | 120 | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094851 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | 6458.92 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 85.00 | 85.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094982 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | 2072.03 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 2 mos interest on amt prepd >1/3 of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094984 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | 2041.77 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 67.06 | 67.06 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400095011 | XXXXXX | XXXXXX | XXXXXX | Yes | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | 1289.11 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 76.50 | 76.50 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |
| 400094935 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.6250 | 2677.47 | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5% of amt prepd | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 |

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| **Loan Number** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Grade** | **Final Securitization Compliance Grade** | **Initial S&P Compliance Grade** | **Final S&P Compliance Grade** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 400072696 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 86.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 66 | 12000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 746 | 736 | 0 | (No Data) | (No Data) | 736 | 0 | -1489.87 | 0 | 0 | 1489.87 | 0 | 72056.92 | 72056.92 | 72056.92 | XXXXXX | 72056.92 | 48.36 | 48.36 | Fully Amortized | 8.750 | 1331.10 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400081662 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 135.42 | (No Data) | (No Data) | 172.92 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 228 | 31000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 696 | 688 | 660 | 0 | (No Data) | (No Data) | 688 | 0 | -2367.19 | 0 | 0 | 2367.19 | 0 | 34837.48 | 34837.48 | 34837.48 | XXXXXX | 33404 | 14.11 | 13.60 | Fully Amortized | 7.875 | 2057.85 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094993 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 227.92 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 158 | 36364.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 667 | 663 | 709 | 0 | (No Data) | (No Data) | 667 | 0 | -2275.85 | 0 | 0 | 2275.85 | 0 | 46445.64 | 46445.64 | 46445.64 | XXXXXX | 46445.64 | 20.41 | 20.41 | Fully Amortized | 8.500 | 1744.29 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400072701 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 72.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 188 | 16600.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 782 | 762 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 781 | 0 | -1691.76 | 0 | 0 | 1691.76 | 0 | 218527.08 | 218527.08 | 218527.08 | XXXXXX | 218527.08 | 129.17 | 129.17 | Fully Amortized | 6.999 | 1531.71 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400081692 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 116.97 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 125 | 31900.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 603 | 668 | 640 | 0 | (No Data) | (No Data) | 727 | 0 | -2514.8 | 0 | 0 | 2514.8 | 0 | 25389.31 | 25389.31 | 25389.31 | XXXXXX | 25389.31 | 10.1 | 10.10 | Fully Amortized | 7.999 | 2289.13 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400081696 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 140.08 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 115 | 56222.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 762 | 775 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 763 | 0 | -1053.71 | 0 | 0 | 1053.71 | 0 | 125690.09 | 125690.09 | 125690.09 | XXXXXX | 124967.98 | 118.6 | 118.60 | Fully Amortized | 8.250 | 811.37 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400088252 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 73.26 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 528 | 5000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 687 | 693 | 660 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 687 | 0 | -3248.09 | 0 | 0 | 3248.09 | 0 | 102716.40 | 102716.4 | 102716.4 | XXXXXX | 102716.4 | 31.62 | 31.62 | Fully Amortized | 7.875 | 3081.55 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400081706 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 174.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 99 | 34600.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 688 | 745 | 733 | 0 | (No Data) | (No Data) | 733 | 0 | -2231.34 | 0 | 0 | 2231.34 | 0 | 30834.59 | 30834.59 | 30834.59 | XXXXXX | 30834.59 | 13.82 | 13.82 | Fully Amortized | 7.999 | 1907.61 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400088169 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 392.59 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 235 | 26000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 742 | 717 | 746 | 101543.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 726 | 758 | 0 | (No Data) | (No Data) | 742 | 101543 | 85986.1 | 2.9 | 15.32 | 15556.9 | 2944.9 | 652200.40 | 652200.4 | 652200.4 | XXXXXX | 652200.4 | 221.47 | 221.47 | Fully Amortized | 7.125 | 2088.53 | 2.9 | 15.32 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | A | A | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095061 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 69.96 | (No Data) | (No Data) | (No Data) | 108.34 | Present | XXXXXX | 2 | No | Present | XXXXXX | 217 | 22953.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 716 | 706 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 714 | 0 | -2085.4 | 0 | 0 | 2085.4 | 0 | 122376.79 | 122376.79 | 122376.79 | XXXXXX | 16692.93 | 8 | 8.00 | Fully Amortized | 6.999 | 1664.10 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400088055 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 136.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 343 | 74026.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 707 | 682 | 711 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 707 | 0 | -1572.49 | 0 | 0 | 1572.49 | 0 | 146058.80 | 146058.8 | 146058.8 | XXXXXX | 146058.8 | 92.88 | 92.88 | Fully Amortized | 7.125 | 1068.52 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094915 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 161.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 7 | No | Present | XXXXXX | 146 | 73500.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 735 | 706 | 718 | 21805.91 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 718 | 23223.88 | 13189.71 | 18.81 | 43.21 | 10034.17 | 4369.17 | 314180.69 | 314180.69 | 314180.69 | XXXXXX | 178078.5 | 40.76 | 40.76 | Fully Amortized | 7.500 | 3585.58 | 18.81 | 43.21 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 400088663 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 266.67 | (No Data) | (No Data) | (No Data) | 200.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 5 | 300.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 636 | 614 | 592 | 5000.01 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 653 | 627 | Unavailable | 743.09 | (No Data) | (No Data) | 614 | 5743.1 | 3264.22 | 34.76 | 43.16 | 2478.88 | 1996.3 | 66881.12 | 66881.12 | 66881.12 | XXXXXX | 66881.12 | 33.5 | 33.50 | Fully Amortized | 9.999 | 1096.88 | 34.76 | 43.16 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D B | D B A | B D A | D B A | B | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 400094994 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 93.51 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 358 | 17300.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 746 | 725 | Not Applicable | 0 | (No Data) | (No Data) | 725 | 0 | -1570.04 | 0 | 0 | 1570.04 | 0 | 36544.85 | 36544.85 | 36544.85 | XXXXXX | 36544.85 | 23.28 | 22.27 | Fully Amortized | 7.500 | 1415.84 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400088192 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 224.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 252 | 6000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 631 | 632 | 656 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 632 | 0 | -5281.23 | 0 | 0 | 5281.23 | 0 | 119537.98 | 119537.98 | 119537.98 | XXXXXX | 119537.98 | 22.63 | 22.63 | Fully Amortized | 8.999 | 4445.15 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400088167 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 394.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 299 | 17500.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 572 | 623 | 607 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 615 | 650 | 638 | 17622.75 | (No Data) | (No Data) | 638 | 17622.75 | 12505.3 | 17.39 | 29.04 | 5117.45 | 3064.45 | 37680.08 | 37680.08 | 37680.08 | XXXXXX | 37680.08 | 12.3 | 12.30 | Fully Amortized | 8.125 | 2512.62 | 17.39 | 29.04 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 400088099 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 591.99 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 229 | 10500.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 712 | 712 | 641 | 14058.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 712 | 14058 | 6341.56 | 50.13 | 54.89 | 7716.44 | 7047.2 | 108523.02 | 108523.02 | 108523.02 | XXXXXX | 108523.02 | 15.4 | 15.40 | Fully Amortized | 8.125 | 5850.88 | 50.13 | 54.89 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) C B | C B | A C B | C B | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400094947 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 210.10 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 164 | 23500.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 795 | 796 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 796 | 0 | -8334.71 | 0 | 0 | 8334.71 | 0 | 211897.80 | 211897.8 | 211897.8 | XXXXXX | 211897.8 | 25.42 | 25.42 | Fully Amortized | 8.875 | 6862.44 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095106 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 214.09 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 128 | 62926.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 729 | 681 | 730 | 0 | (No Data) | (No Data) | 729 | 0 | -2366.9 | 0 | 0 | 2366.9 | 0 | 77629.45 | 77629.45 | 77629.45 | XXXXXX | 77629.45 | 32.8 | 32.80 | Fully Amortized | 7.250 | 1773.66 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095178 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 226.48 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 248 | 33000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 788 | 790 | 779 | 26875.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 788 | 26875 | 17294.31 | 14.74 | 35.65 | 9580.69 | 3960.58 | 1173956.72 | 906448.86 | 282263.84 | XXXXXX | 755838.09 | 199.16 | 199.16 | Fully Amortized | 7.125 | 3259.12 | 14.74 | 35.65 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 15 months;<br> CPA Letter - 23 months; | (No Data) | (No Data) | (No Data) |
| 400088193 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 85.35 | (No Data) | (No Data) | (No Data) | 430.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 96 | 8199.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 660 | 642 | 609 | 1913.75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 646 | 644 | 657 | 3871.63 | (No Data) | (No Data) | 642 | 5785.38 | 2893.08 | 42.54 | 49.99 | 2892.3 | 2461.3 | 223945.09 | 218192.83 | 204770.9 | XXXXXX | 218192.83 | 88.65 | 88.65 | Fully Amortized | 9.500 | 1891.93 | 42.54 | 49.99 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Award Letter - 12 months;<br> W2 - 12 months; | Award Letter - 12 months; | (No Data) | (No Data) |
| 400088062 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 34.33 | (No Data) | (No Data) | (No Data) | 304.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 59 | 28184.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 671 | 667 | 686 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 671 | 0 | -2493.44 | 0 | 0 | 2493.44 | 0 | 215563.97 | 215563.97 | 215563.97 | XXXXXX | 84147.17 | 33.75 | 33.75 | Fully Amortized | 7.625 | 1806.68 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400088216 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 121.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 169 | 34600.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 759 | 812 | 797 | 17539.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 797 | 17539 | 12290.28 | 29.7 | 29.93 | 5248.72 | 5208.72 | 548909.09 | 543896.69 | 543896.69 | XXXXXX | 104079.2 | 19.98 | 19.98 | Fully Amortized | 6.625 | 4110.80 | 29.7 | 29.93 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | CPA Letter without Income - 48 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400088210 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 181.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 307 | 25100.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 678 | 706 | 702 | 28374.59 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 702 | 28374.59 | 18761.34 | 27.67 | 33.88 | 9613.25 | 7852.25 | 128319.39 | 128319.39 | 128319.39 | XXXXXX | 71409.83 | 9.09 | 9.09 | Fully Amortized | 8.999 | 6227.23 | 27.67 | 33.88 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months; | (No Data) | (No Data) | (No Data) |
| 400088142 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 69.06 | (No Data) | (No Data) | (No Data) | 350.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 0 | 0.00 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 680 | 680 | 680 | 0 | (No Data) | (No Data) | 680 | 0 | -3368.11 | 0 | 0 | 3368.11 | 0 | 240085.00 | 240085 | 240085 | XXXXXX | 18021.47 | 5.35 | 5.35 | Fully Amortized | 7.375 | 2279.23 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400088176 | Present | No | (No Data) | (No Data) | Preliminary Title | Leasehold | XXXXXX | 39.00 | (No Data) | (No Data) | (No Data) | 1910.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 322 | 25000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 792 | 793 | 801 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 793 | 0 | -6370.55 | 0 | 0 | 6370.55 | 0 | 231780.22 | 190337.27 | 93637.07 | XXXXXX | 97603.99 | 15.32 | 15.32 | Fully Amortized | 7.125 | 2025.55 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400088100 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 211.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 111 | 2300.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 757 | 741 | 745 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 745 | 0 | -4543.83 | 0 | 0 | 4543.83 | 0 | 387364.02 | 387364.02 | 387364.02 | XXXXXX | 129420.88 | 28.48 | 28.48 | Fully Amortized | 7.250 | 3827.36 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400088093 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 195.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 122 | 46794.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 733 | 715 | 690 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 715 | 0 | -6551.16 | 0 | 0 | 6551.16 | 0 | 34057.73 | 34057.73 | 34057.73 | XXXXXX | 34057.73 | 5.2 | 5.20 | Fully Amortized | 8.125 | 5457.36 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095175 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 194.95 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 323 | 15000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 647 | 665 | 678 | 73871.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 665 | 73871 | 46247.81 | 7.83 | 37.39 | 27623.19 | 5785.11 | 548202.60 | 548202.6 | 548202.6 | XXXXXX | 548202.6 | 56.35 | 56.35 | Fully Amortized | 8.999 | 8447.79 | 7.83 | 37.39 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400088219 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 96.34 | (No Data) | (No Data) | 0.00 | 206.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 299 | 2500.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 640 | 638 | 595 | 5000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 638 | 5000 | 2581.82 | 40.36 | 48.36 | 2418.18 | 2018.18 | 65092.24 | 58018.47 | 58018.47 | XXXXXX | 58018.47 | 28.75 | 28.75 | Fully Amortized | 8.999 | 1595.03 | 40.36 | 48.36 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | A C B | C B A | A | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 400095140 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 124.08 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 474 | 25300.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 770 | 799 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 770 | 0 | -2129.68 | 0 | 0 | 2129.68 | 0 | 11545.37 | 11545.37 | 11545.37 | XXXXXX | 11545.37 | 5.42 | 5.17 | Fully Amortized | 6.875 | 1622.79 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095127 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 127.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 219 | 9000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 805 | 815 | 801 | 0 | (No Data) | (No Data) | 805 | 0 | -1587.95 | 0 | 0 | 1587.95 | 0 | 107607.18 | 107607.18 | 107607.18 | XXXXXX | 32569.82 | 20.51 | 20.51 | Fully Amortized | 6.999 | 1263.95 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400088145 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 201.34 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 208 | 6500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 733 | 715 | 690 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 715 | 0 | -6258 | 0 | 0 | 6258 | 0 | 224527.54 | 224527.54 | 224527.54 | XXXXXX | 10028.29 | 1.6 | 1.60 | I/O Amount | 9.250 | 5126.04 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | A B | A D B | A B | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400088103 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 69.16 | (No Data) | (No Data) | 0.00 | 400.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 296 | 25800.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 731 | 717 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 722 | 0 | -2020.89 | 0 | 0 | 2020.89 | 0 | 194508.71 | 194508.71 | 194508.71 | XXXXXX | 194508.71 | 96.25 | 92.50 | Fully Amortized | 6.999 | 1335.93 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400088059 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 22.92 | (No Data) | (No Data) | (No Data) | 325.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 109 | 13151.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 795 | 794 | 792 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 794 | 0 | -1481.08 | 0 | 0 | 1481.08 | 0 | 124541.04 | 124541.04 | 124541.04 | XXXXXX | 124541.04 | 84.09 | 84.09 | Fully Amortized | 7.125 | 909.53 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094991 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 137.74 | (No Data) | (No Data) | (No Data) | 65.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 96 | 11000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 800 | 797 | 802 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 800 | 0 | -2113.91 | 0 | 0 | 2113.91 | 0 | 191973.35 | 191973.35 | 191973.35 | XXXXXX | 191973.35 | 90.81 | 90.81 | Fully Amortized | 6.750 | 1363.68 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095054 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 83.17 | (No Data) | (No Data) | (No Data) | 408.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 261 | 45000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 680 | 784 | 766 | 0 | (No Data) | (No Data) | 766 | 0 | -1800.68 | 0 | 0 | 1800.68 | 0 | 168344.20 | 168344.2 | 168344.2 | XXXXXX | 168344.2 | 93.49 | 93.49 | Fully Amortized | 6.999 | 1228.86 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095041 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 139.92 | (No Data) | (No Data) | (No Data) | 20.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 36 | 12389.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 674 | 665 | 642 | 0 | (No Data) | (No Data) | 665 | 0 | -3060.73 | 0 | 0 | 3060.73 | 0 | 314874.61 | 314874.61 | 314874.61 | XXXXXX | 314874.61 | 102.88 | 102.88 | Fully Amortized | 8.999 | 2671.19 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400094926 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 206.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 103 | 10000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 665 | 660 | 670 | 5562.76 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 665 | 5562.76 | 4069.76 | 21.57 | 26.84 | 1493 | 1200 | 79399.40 | 79399.4 | 79399.4 | XXXXXX | 79399.4 | 66.17 | 66.17 | Fully Amortized | 9.625 | 849.99 | 21.57 | 26.84 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 15 months;<br> CPA Letter without Income - 36 months;<br> Lease Agreement - 12 months; | (No Data) | (No Data) | (No Data) |
| 400088125 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 125.50 | (No Data) | (No Data) | (No Data) | 300.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 31 | 15000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 743 | 734 | 754 | 0 | (No Data) | (No Data) | 743 | 0 | -3083.55 | 0 | 0 | 3083.55 | 0 | 86225.83 | 86225.83 | 86225.83 | XXXXXX | 169.8 | 0.06 | 0.06 | Fully Amortized | 7.625 | 1964.08 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A B | N/A C | N/A B | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094937 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 120.16 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 36 | 23000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 738 | 730 | 0 | (No Data) | (No Data) | 730 | 0 | -2530.81 | 0 | 0 | 2530.81 | 0 | 86243.71 | 86243.71 | 86243.71 | XXXXXX | 86243.71 | 34.08 | 34.08 | Fully Amortized | 9.375 | 2152.16 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094888 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 253.12 | (No Data) | (No Data) | (No Data) | 52.50 | Present | XXXXXX | 1 | No | Present | XXXXXX | 104 | 28500.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 640 | 641 | 684 | 8915.03 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 641 | 8915.03 | 4105.57 | 53.95 | 53.95 | 4809.46 | 4809.46 | 24248.82 | 24248.82 | 24248.82 | XXXXXX | 24248.82 | 5.04 | 5.04 | Fully Amortized | 9.750 | 4166.90 | 53.95 | 53.95 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D B A | B D A | D B A | B | Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095023 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 131.83 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 324 | 25000.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 682 | 675 | 673 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 675 | 0 | -1523.27 | 0 | 0 | 1523.27 | 0 | 103287.89 | 103287.89 | 103287.89 | XXXXXX | 103287.89 | 67.81 | 67.81 | Fully Amortized | 8.625 | 1088.91 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095102 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 251.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 48 | 30000.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 603 | 656 | 654 | 0 | (No Data) | (No Data) | 661 | 0 | -1991.48 | 0 | 0 | 1991.48 | 0 | 153234.94 | 153234.94 | 153234.94 | XXXXXX | 153234.94 | 76.95 | 76.94 | Fully Amortized | 7.875 | 1268.88 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095066 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 76.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 76 | 24100.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 800 | 792 | 0 | (No Data) | (No Data) | 792 | 0 | -1639.55 | 0 | 0 | 1639.55 | 0 | 206021.16 | 206021.16 | 206021.16 | XXXXXX | 206021.16 | 125.66 | 125.66 | Fully Amortized | 7.375 | 1502.22 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400088260 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 111.67 | (No Data) | (No Data) | (No Data) | 20.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 198 | 28300.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 771 | 754 | 19095.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 771 | 19095 | 11914.76 | 28.41 | 37.6 | 7180.24 | 5424.24 | 148814.45 | 148814.45 | 148814.45 | XXXXXX | 89938.83 | 16.58 | 16.58 | Fully Amortized | 9.875 | 5040.77 | 28.41 | 37.6 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095114 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 312.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 245 | 57500.00 | 23 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 708 | 716 | 0 | (No Data) | (No Data) | 708 | 0 | -2752.02 | 0 | 0 | 2752.02 | 0 | 145681.00 | 145681 | 145681 | XXXXXX | 60979.41 | 22.16 | 22.16 | Fully Amortized | 7.999 | 2010.33 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400088232 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 192.62 | (No Data) | (No Data) | (No Data) | 15.42 | Present | XXXXXX | 1 | No | Present | XXXXXX | 135 | 15200.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 628 | 660 | 615 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 628 | 0 | -2018.44 | 0 | 0 | 2018.44 | 0 | 333635.79 | 333635.79 | 333635.79 | XXXXXX | 33326.02 | 16.51 | 16.51 | Fully Amortized | 8.125 | 1113.75 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094990 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 164.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 102 | 14700.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 684 | 691 | 705 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 691 | 0 | -1442.8 | 0 | 0 | 1442.8 | 0 | 129097.89 | 129097.89 | 129097.89 | XXXXXX | 129097.89 | 89.48 | 86.75 | Fully Amortized | 7.750 | 996.67 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094996 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 270.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 102 | 14700.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 684 | 691 | 705 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 691 | 0 | -1525.53 | 0 | 0 | 1525.53 | 0 | 119365.06 | 119365.06 | 119365.06 | XXXXXX | 119365.06 | 78.24 | 78.24 | Fully Amortized | 7.875 | 969.42 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094987 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 240.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 208 | 14700.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 684 | 691 | 705 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 691 | 0 | -1544.15 | 0 | 0 | 1544.15 | 0 | 120201.86 | 120201.86 | 120201.86 | XXXXXX | 120201.86 | 77.84 | 77.84 | Fully Amortized | 7.875 | 984.65 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095002 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 252.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 277 | 14700.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 691 | 684 | 705 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 691 | 0 | -1510.43 | 0 | 0 | 1510.43 | 0 | 118322.00 | 118322 | 118322 | XXXXXX | 118322 | 78.34 | 78.34 | Fully Amortized | 7.875 | 964.35 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095009 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 139.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 144 | 10900.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 765 | 753 | 0 | (No Data) | (No Data) | 765 | 0 | -1584.9 | 0 | 0 | 1584.9 | 0 | 25963.36 | 25963.36 | 25963.36 | XXXXXX | 25963.36 | 16.38 | 16.38 | Fully Amortized | 7.750 | 1391.64 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095128 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 129.71 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 105 | 5140.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 687 | 664 | 683 | 0 | (No Data) | (No Data) | 683 | 0 | -1362.58 | 0 | 0 | 1362.58 | 0 | 36185.86 | 36185.86 | 36185.86 | XXXXXX | 36185.86 | 26.56 | 26.56 | Fully Amortized | 7.375 | 1136.17 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095117 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 198.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 219 | 8700.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 765 | 746 | 0 | (No Data) | (No Data) | 765 | 0 | -2147.3 | 0 | 0 | 2147.3 | 0 | 236777.50 | 236777.5 | 236777.5 | XXXXXX | 236777.5 | 110.27 | 110.27 | Fully Amortized | 6.999 | 1696.36 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095161 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 104.47 | (No Data) | (No Data) | (No Data) | 400.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 101 | 50680.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 809 | 763 | 17384.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 752 | 809 | 793 | 8323.94 | (No Data) | (No Data) | 793 | 25708.61 | 14147.03 | 16.92 | 44.97 | 11561.58 | 4350.72 | 162339.82 | 162339.82 | 162339.82 | XXXXXX | 33767.02 | 8.71 | 8.71 | Fully Amortized | 7.625 | 2840.03 | 16.92 | 44.97 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Paystub - 1 months;<br> W2 - 24 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 400095001 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 128.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 294 | 12000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 768 | 739 | 734 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 739 | 0 | -4977.47 | 0 | 0 | 4977.47 | 0 | 285544.39 | 285544.39 | 285544.39 | XXXXXX | 285544.39 | 57.37 | 57.37 | Qualifying Rate | 6.999 | 3934.90 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095067 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 116.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 90 | 26000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 723 | 742 | 737 | 0 | (No Data) | (No Data) | 737 | 0 | -2522.04 | 0 | 0 | 2522.04 | 0 | 44183.72 | 44183.72 | 44183.72 | XXXXXX | 44183.72 | 17.52 | 17.52 | Fully Amortized | 9.750 | 2233.81 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095004 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 191.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 336 | 37500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 735 | 757 | 795 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 757 | 0 | -13134.08 | 0 | 0 | 13134.08 | 0 | 671950.79 | 671950.79 | 671950.79 | XXXXXX | 671950.79 | 51.16 | 51.16 | Fully Amortized | 7.999 | 12428.80 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094992 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 132.33 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 240 | 55000.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 636 | 638 | 656 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 638 | 0 | -1698.72 | 0 | 0 | 1698.72 | 0 | 26198.39 | 26198.39 | 26198.39 | XXXXXX | 26198.39 | 15.42 | 15.42 | Fully Amortized | 9.875 | 1213.52 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094868 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 382.66 | (No Data) | (No Data) | (No Data) | 435.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 154 | 37000.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 702 | 683 | 729 | 81184.44 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | 700 | 717 | 0 | (No Data) | (No Data) | 702 | 81184.44 | 53954.43 | 11.97 | 33.54 | 27230.01 | 9715.04 | 565428.63 | 565428.63 | 565428.63 | XXXXXX | 315011.2 | 32.43 | 32.43 | Fully Amortized | 7.500 | 7159.96 | 11.97 | 33.54 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | A | A | A | A | CPA Letter without Income - 72 months;<br> Personal Bank Statements - 13 months; | CPA Letter without Income - 72 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) |
| 400094877 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 255.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 110 | 30000.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 773 | 753 | 746 | 32525.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 792 | 796 | 0 | (No Data) | (No Data) | 753 | 32525 | 20630.44 | 8.79 | 36.57 | 11894.56 | 2859.55 | 541941.01 | 494747.19 | 494747.19 | XXXXXX | 494747.19 | 173.02 | 173.02 | Fully Amortized | 7.625 | 2208.32 | 8.79 | 36.57 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) C | C B A | B C A | C B A | B | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400094847 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 227.00 | (No Data) | (No Data) | (No Data) | 16.67 | Present | XXXXXX | 1 | No | Present | XXXXXX | 158 | 12000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 709 | 707 | 705 | 27066.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 707 | 27066 | 16772.44 | 20.99 | 38.03 | 10293.56 | 5680.13 | 120463.23 | 107923.63 | 107923.63 | XXXXXX | 33455.09 | 5.89 | 5.89 | Fully Amortized | 8.999 | 5249.70 | 20.99 | 38.03 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400094891 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 291.01 | (No Data) | (No Data) | 226.58 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 26 | 3500.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 671 | 646 | 683 | 66547.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 671 | 66547 | 63173.7 | 3.75 | 5.07 | 3373.3 | 2497.3 | 80580.64 | 80580.64 | 80580.64 | XXXXXX | 15257.35 | 6.11 | 6.11 | Fully Amortized | 9.125 | 1626.62 | 3.75 | 5.07 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400088155 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 146.91 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 149 | 12000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 731 | 754 | 755 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 791 | 771 | 768 | 12133.61 | (No Data) | (No Data) | 771 | 12133.61 | 7303.5 | 15.79 | 39.81 | 4830.11 | 1916.26 | 150397.98 | 150397.98 | 150397.98 | XXXXXX | 89330.3 | 46.62 | 46.62 | Fully Amortized | 7.750 | 1546.88 | 15.79 | 39.81 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | (No Data) | Personal Bank Statements - 13 months; | (No Data) | (No Data) |
| 400094922 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 241.58 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 228 | 53068.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 628 | 684 | 653 | 13785.54 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 653 | 13785.54 | 9581.52 | 19.48 | 30.5 | 4204.02 | 2685.19 | 218332.35 | 218332.35 | 218332.35 | XXXXXX | 111421.1 | 41.49 | 41.49 | Fully Amortized | 8.750 | 2301.10 | 19.48 | 30.5 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | D A | A D | D A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095150 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 53.92 | (No Data) | (No Data) | (No Data) | 71.66 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 38 | 5000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 774 | 753 | 754 | 0 | (No Data) | (No Data) | 754 | 0 | -1335.89 | 0 | 0 | 1335.89 | 0 | 301504.32 | 301504.32 | 301504.32 | XXXXXX | 301504.32 | 225.7 | 225.69 | Fully Amortized | 7.250 | 1023.27 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094965 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 107.67 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 4 | No | Present | XXXXXX | 144 | 21000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 751 | 753 | 727 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | 812 | 0 | (No Data) | (No Data) | 812 | 0 | -2498.52 | 0 | 0 | 2498.52 | 0 | 114467.26 | 114467.26 | 114467.26 | XXXXXX | 114467.26 | 45.81 | 45.81 | Fully Amortized | 7.750 | 1939.69 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095077 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 77.22 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 204 | 5500.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 668 | 666 | 686 | 0 | (No Data) | (No Data) | 668 | 0 | -1429.94 | 0 | 0 | 1429.94 | 0 | 108572.95 | 108572.95 | 108572.95 | XXXXXX | 108572.95 | 75.93 | 75.93 | Fully Amortized | 8.750 | 996.75 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095064 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 231.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 165 | 9000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 777 | 752 | 781 | 0 | (No Data) | (No Data) | 777 | 0 | -2241.76 | 0 | 0 | 2241.76 | 0 | 284571.98 | 220870.92 | 220870.92 | XXXXXX | 148635.8 | 66.3 | 66.30 | Fully Amortized | 8.250 | 1442.44 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095137 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 168.80 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 404 | 34273.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 738 | 762 | 750 | 0 | (No Data) | (No Data) | 750 | 0 | -2613.97 | 0 | 0 | 2613.97 | 0 | 318761.88 | 318761.88 | 318761.88 | XXXXXX | 318761.88 | 121.95 | 121.94 | Fully Amortized | 7.375 | 2267.15 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095070 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 95.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 178 | 22000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 707 | 728 | 0 | (No Data) | (No Data) | 728 | 0 | -1285.39 | 0 | 0 | 1285.39 | 0 | 253011.01 | 227722.42 | 227722.42 | XXXXXX | 227722.42 | 177.16 | 177.16 | Fully Amortized | 7.250 | 1060.79 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094969 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 237.77 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 680 | 680 | 680 | 0 | (No Data) | (No Data) | 680 | 0 | -3584.91 | 0 | 0 | 3584.91 | 0 | 150079.27 | 150079.27 | 150079.27 | XXXXXX | 24683.01 | 6.89 | 6.89 | Fully Amortized | 7.999 | 2833.90 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095020 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 126.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 240 | 5000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 723 | 724 | 716 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 723 | 0 | -6546.84 | 0 | 0 | 6546.84 | 0 | 8036.45 | 8036.45 | 8036.45 | XXXXXX | 8036.45 | 1.23 | 1.23 | Fully Amortized | 7.500 | 5383.96 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094959 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 70.65 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 132 | 19600.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 683 | 698 | 685 | 0 | (No Data) | (No Data) | 685 | 0 | -1613.04 | 0 | 0 | 1613.04 | 0 | 103958.95 | 103958.95 | 103958.95 | XXXXXX | 103958.95 | 64.45 | 64.45 | Fully Amortized | 8.999 | 1407.97 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094953 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 267.25 | (No Data) | (No Data) | 0.00 | 270.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 194 | 37843.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 792 | 794 | 779 | 0 | (No Data) | (No Data) | 792 | 0 | -2697.04 | 0 | 0 | 2697.04 | 0 | 224526.55 | 224526.55 | 224526.55 | XXXXXX | 224526.55 | 83.25 | 83.25 | Fully Amortized | 7.875 | 1725.67 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095090 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 66.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 84 | 3700.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 726 | 734 | 0 | (No Data) | (No Data) | 726 | 0 | -1453 | 0 | 0 | 1453 | 0 | 146175.12 | 146175.12 | 146175.12 | XXXXXX | 146175.12 | 100.6 | 100.60 | Fully Amortized | 8.750 | 1258.73 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094864 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 167.26 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 118 | 7500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 787 | 779 | 41938.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 787 | 41938 | 26647.68 | 11.15 | 36.46 | 15290.32 | 4674.32 | 145212.53 | 145212.53 | 145212.53 | XXXXXX | 123112.53 | 26.34 | 26.34 | Fully Amortized | 7.999 | 3895.92 | 11.15 | 36.46 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095119 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 143.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 253 | 55000.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 759 | 767 | 701 | 0 | (No Data) | (No Data) | 759 | 0 | -1989.82 | 0 | 0 | 1989.82 | 0 | 176236.76 | 176236.76 | 176236.76 | XXXXXX | 60113.35 | 30.21 | 30.21 | Fully Amortized | 7.125 | 1440.08 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094989 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 161.76 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 45 | 20000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 781 | 803 | 0 | (No Data) | (No Data) | 802 | 0 | -1437.23 | 0 | 0 | 1437.23 | 0 | 121730.41 | 121730.41 | 121730.41 | XXXXXX | 121730.41 | 84.7 | 84.70 | Fully Amortized | 7.250 | 931.18 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095048 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 91.30 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 562 | 31115.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 721 | 743 | 751 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 721 | 732 | 733 | 0 | (No Data) | (No Data) | 743 | 0 | -2095.09 | 0 | 0 | 2095.09 | 0 | 323981.86 | 323981.86 | 323981.86 | XXXXXX | 158506.04 | 75.66 | 75.66 | Fully Amortized | 6.875 | 1407.15 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | A | A C | A B | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094874 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 273.42 | (No Data) | (No Data) | 0.00 | 900.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 350 | 52403.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 717 | 733 | 708 | 74902.14 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 717 | 74902.14 | 62440.58 | 1.23 | 16.64 | 12461.56 | 922.39 | 862263.08 | 745267.74 | 745267.74 | XXXXXX | 745267.74 | 111.27 | 111.27 | Fully Amortized | 7.875 | 4930.48 | 1.23 | 16.64 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) C | C A | A C | C A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400094964 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 170.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 252 | 368600.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 743 | 722 | 780 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 743 | 0 | -7961.57 | 0 | 0 | 7961.57 | 0 | 962968.45 | 962968.45 | 962968.45 | XXXXXX | 962968.45 | 120.95 | 116.91 | Fully Amortized | 8.125 | 7018.90 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094940 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 126.51 | (No Data) | (No Data) | (No Data) | 372.00 | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0 | (No Data) | (No Data) | 680 | 0 | -3663.5 | 0 | 0 | 3663.5 | 0 | 321411.00 | 321411 | 321411 | XXXXXX | 23985.22 | 6.55 | 6.55 | Fully Amortized | 7.875 | 2537.75 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095120 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 63.50 | (No Data) | (No Data) | 0.00 | 455.00 | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 680 | 680 | 680 | 0 | (No Data) | (No Data) | 680 | 0 | -1903.43 | 0 | 0 | 1903.43 | 0 | 194988.80 | 194988.8 | 194988.8 | XXXXXX | 42528.39 | 22.34 | 22.34 | Fully Amortized | 7.625 | 1061.70 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095122 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 101.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 80 | 4400.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 650 | 669 | 681 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 669 | 0 | -1283.93 | 0 | 0 | 1283.93 | 0 | 72581.96 | 72581.96 | 72581.96 | XXXXXX | 14823.68 | 11.55 | 11.55 | Fully Amortized | 8.999 | 1121.75 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095085 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 41.71 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 145 | 20000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 784 | 785 | 0 | (No Data) | (No Data) | 775 | 0 | -1412.68 | 0 | 0 | 1412.68 | 0 | 170762.82 | 170762.82 | 170762.82 | XXXXXX | 170762.82 | 120.88 | 120.88 | Fully Amortized | 6.999 | 1221.38 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095078 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 88.71 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 145 | 20000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 784 | 785 | 0 | (No Data) | (No Data) | 775 | 0 | -2087.64 | 0 | 0 | 2087.64 | 0 | 128711.44 | 128711.44 | 128711.44 | XXXXXX | 128711.44 | 61.65 | 61.65 | Fully Amortized | 6.750 | 1786.24 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095118 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 78.40 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 145 | 20000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 784 | 785 | 0 | (No Data) | (No Data) | 775 | 0 | -1110.2 | 0 | 0 | 1110.2 | 0 | 137826.07 | 137826.07 | 137826.07 | XXXXXX | 137826.07 | 124.15 | 124.14 | Fully Amortized | 6.999 | 992.37 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095146 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 389.28 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 285 | 22000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 784 | 759 | 774 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 811 | 816 | 802 | 0 | (No Data) | (No Data) | 811 | 0 | -2441.65 | 0 | 0 | 2441.65 | 0 | 52126.59 | 52126.59 | 52126.59 | XXXXXX | 52126.59 | 21.35 | 21.35 | Fully Amortized | 6.999 | 1663.09 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094875 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 132.67 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 168 | 50000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 809 | 779 | 17046.35 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 797 | 803 | 787 | 0 | (No Data) | (No Data) | 798 | 17046.35 | 12156.3 | 12.29 | 28.69 | 4890.05 | 2095.05 | 260985.59 | 260985.59 | 260985.59 | XXXXXX | 260985.59 | 124.57 | 124.57 | Fully Amortized | 7.125 | 1583.24 | 12.29 | 28.69 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D | D A | A D | D A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095068 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 88.84 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 288 | 30129.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | 774 | 727 | 0 | (No Data) | (No Data) | 727 | 0 | -1374.64 | 0 | 0 | 1374.64 | 0 | 38197.73 | 38197.73 | 38197.73 | XXXXXX | 31998.34 | 23.28 | 23.28 | Fully Amortized | 7.250 | 1237.13 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095021 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 70.34 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 68 | 13000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 665 | 695 | 705 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 695 | 0 | -1618.8 | 0 | 0 | 1618.8 | 0 | 38387.58 | 38387.58 | 38387.58 | XXXXXX | 38387.58 | 23.71 | 23.71 | Fully Amortized | 8.250 | 1330.50 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095130 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 91.58 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 252 | 90000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 789 | 731 | 776 | 0 | (No Data) | (No Data) | 776 | 0 | -1621.42 | 0 | 0 | 1621.42 | 0 | 178933.67 | 178933.67 | 178933.67 | XXXXXX | 178933.67 | 110.36 | 110.36 | Fully Amortized | 7.625 | 1327.12 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094936 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 165.20 | (No Data) | (No Data) | (No Data) | 214.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 270 | 30000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 810 | 809 | 804 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 809 | 0 | -3266.63 | 0 | 0 | 3266.63 | 0 | 215308.30 | 215308.3 | 215308.3 | XXXXXX | 107617.97 | 32.94 | 32.94 | Fully Amortized | 8.250 | 2394.67 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095018 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 79.67 | (No Data) | (No Data) | 0.00 | 658.00 | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | 0 | 0.00 | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 680 | 680 | 680 | 0 | (No Data) | (No Data) | 680 | 0 | -2243.26 | 0 | 0 | 2243.26 | 0 | 147025.70 | 147025.7 | 147025.7 | XXXXXX | 147025.7 | 65.54 | 65.54 | Fully Amortized | 7.625 | 1150.17 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095052 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 360.85 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 309 | 25000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 817 | 812 | 794 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 812 | 0 | -4522.89 | 0 | 0 | 4522.89 | 0 | 1175153.93 | 1086951.97 | 293134.37 | XXXXXX | 848729.66 | 187.65 | 187.65 | Fully Amortized | 6.999 | 3199.79 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095163 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 259.83 | (No Data) | (No Data) | 346.75 | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 168 | 68664.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 782 | 755 | 772 | 9372.13 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 741 | 753 | 7595.2 | (No Data) | (No Data) | 772 | 18701.44 | 10197.51 | 16.18 | 45.47 | 8503.93 | 3025.9 | 563796.21 | 536907.73 | 536907.73 | XXXXXX | 255094.76 | 26.1 | 26.10 | Fully Amortized | 6.750 | 8028.30 | 16.18 | 45.47 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | 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 - 36 months; | 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) |
| 400094939 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 229.21 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 240 | 116848.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 706 | 693 | 698 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 698 | 0 | -3258.52 | 0 | 0 | 3258.52 | 0 | 322201.61 | 322201.61 | 322201.61 | XXXXXX | 322201.61 | 98.88 | 98.88 | Fully Amortized | 8.500 | 2652.76 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095045 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 104.00 | (No Data) | (No Data) | (No Data) | 275.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 152 | 21700.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 756 | 795 | 786 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 786 | 0 | -1800.67 | 0 | 0 | 1800.67 | 0 | 142666.17 | 142666.17 | 142666.17 | XXXXXX | 142666.17 | 79.23 | 79.23 | Fully Amortized | 7.875 | 1141.99 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094897 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 118.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 149 | 17225.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 608 | 603 | 560 | 3974.12 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 603 | 3974.12 | 1987.33 | 41.54 | 49.99 | 1986.79 | 1650.79 | 189785.93 | 189785.93 | 189785.93 | XXXXXX | 15758.58 | 9.55 | 9.55 | Fully Amortized | 8.375 | 1391.70 | 41.54 | 49.99 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | 1099 - 12 months;<br> Award Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 400094887 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 112.20 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 228 | 43489.00 | 76 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 610 | 621 | 658 | 8852.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 621 | 8852 | 4950.92 | 20.15 | 44.07 | 3901.08 | 1784.08 | 46576.72 | 46576.72 | 46576.72 | XXXXXX | 46576.72 | 26.11 | 26.11 | Fully Amortized | 8.625 | 1166.69 | 20.15 | 44.07 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400094934 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 52.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 329 | 25000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 681 | 689 | 662 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 774 | 773 | 0 | (No Data) | (No Data) | 774 | 0 | -2535.78 | 0 | 0 | 2535.78 | 0 | 256951.05 | 256951.05 | 256951.05 | XXXXXX | 256951.05 | 101.33 | 101.33 | Fully Amortized | 8.999 | 2196.43 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094955 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 54.00 | (No Data) | (No Data) | (No Data) | 333.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 144 | 15000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 681 | 689 | 662 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 681 | 689 | 662 | 0 | (No Data) | (No Data) | 774 | 0 | -4240.17 | 0 | 0 | 4240.17 | 0 | 412881.70 | 412881.7 | 412881.7 | XXXXXX | 412881.7 | 97.37 | 97.37 | Fully Amortized | 8.625 | 3402.84 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094960 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 83.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 104 | 15000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 681 | 689 | 662 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 774 | 773 | 0 | (No Data) | (No Data) | 774 | 0 | -2626.84 | 0 | 0 | 2626.84 | 0 | 306288.23 | 306288.23 | 306288.23 | XXXXXX | 306288.23 | 116.6 | 116.60 | Fully Amortized | 7.999 | 2362.50 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095073 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 75.12 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 247 | 99167.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 656 | 696 | 696 | 0 | (No Data) | (No Data) | 696 | 0 | -1021.11 | 0 | 0 | 1021.11 | 0 | 55916.26 | 55916.26 | 55916.26 | XXXXXX | 55916.26 | 54.76 | 54.76 | Fully Amortized | 8.750 | 784.74 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | N/A B | N/A D B | N/A B | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095038 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 93.17 | (No Data) | (No Data) | (No Data) | 73.76 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 154 | 29854.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 686 | 690 | 0 | (No Data) | (No Data) | 690 | 0 | -1859.48 | 0 | 0 | 1859.48 | 0 | 117516.99 | 117516.99 | 117516.99 | XXXXXX | 117516.99 | 63.2 | 63.20 | Fully Amortized | 7.500 | 1248.10 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094927 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 149.90 | (No Data) | (No Data) | 195.92 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 122 | 85068.00 | 19 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 657 | 627 | 671 | 74321.86 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 657 | 74321.86 | 70558.2 | 2.68 | 5.06 | 3763.66 | 1990.73 | 284497.17 | 284497.17 | 284497.17 | XXXXXX | 166912.17 | 83.84 | 83.84 | Fully Amortized | 8.125 | 1189.49 | 2.68 | 5.06 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 400095174 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 206.99 | (No Data) | (No Data) | (No Data) | 2.92 | Present | XXXXXX | 2 | No | Present | XXXXXX | 117 | 4500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 760 | 765 | 19594.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 765 | 19594 | 12315.33 | 1.32 | 37.15 | 7278.67 | 257.77 | 187896.47 | 187896.47 | 187896.47 | XXXXXX | 187896.47 | 57 | 57.00 | Qualifying Rate | 7.375 | 2470.62 | 1.32 | 37.15 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400094890 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 155.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 273 | 21851.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 743 | 756 | 701 | 4680.85 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 743 | 4680.85 | 2609.37 | 30.74 | 44.25 | 2071.48 | 1438.89 | 9922.60 | 9922.6 | 9922.6 | XXXXXX | 9922.6 | 6.9 | 6.90 | Fully Amortized | 7.500 | 891.50 | 30.74 | 44.25 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400094967 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 106.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 286 | 19100.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 721 | 699 | 0 | (No Data) | (No Data) | 699 | 0 | -1989.4 | 0 | 0 | 1989.4 | 0 | 12067.03 | 12067.03 | 12067.03 | XXXXXX | 12067.03 | 6.07 | 5.82 | Fully Amortized | 7.750 | 1852.25 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095015 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 60.08 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 192 | 62356.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 748 | 750 | 0 | (No Data) | (No Data) | 750 | 0 | -1430.34 | 0 | 0 | 1430.34 | 0 | 161595.73 | 161595.73 | 161595.73 | XXXXXX | 161595.73 | 112.98 | 112.98 | Fully Amortized | 7.125 | 1155.43 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094861 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 149.87 | (No Data) | (No Data) | (No Data) | 748.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 65 | 6000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 728 | 766 | 751 | 8850.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 751 | 762 | 768 | 5000 | (No Data) | (No Data) | 751 | 13850 | 9560.55 | 28.69 | 30.97 | 4289.45 | 3973.45 | 192484.53 | 168626.2 | 112956.77 | XXXXXX | 76627.06 | 19.28 | 19.28 | Fully Amortized | 7.750 | 2493.12 | 28.69 | 30.97 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) C | C A | A C | C A | A | Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 48 months; | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| 400095168 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 195.78 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 180 | 53649.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 681 | 725 | 25261 | (No Data) | (No Data) | 725 | 50522 | 42328.53 | 5.74 | 16.22 | 8193.47 | 2901.95 | 147804.88 | 147804.88 | 147804.88 | XXXXXX | 76955.44 | 27.11 | 27.11 | Fully Amortized | 7.875 | 1914.19 | 5.74 | 16.22 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | (No Data) | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) |
| 400095109 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 101.33 | (No Data) | (No Data) | 0.00 | 852.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 296 | 37800.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 740 | 749 | 733 | 0 | (No Data) | (No Data) | 740 | 0 | -4628.24 | 0 | 0 | 4628.24 | 0 | 411523.20 | 411523.2 | 411523.2 | XXXXXX | 411523.2 | 88.92 | 88.92 | Qualifying Rate | 7.999 | 2899.64 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094966 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 118.00 | (No Data) | (No Data) | 189.67 | 225.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 94 | 11610.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 727 | 720 | 725 | 0 | (No Data) | (No Data) | 725 | 0 | -3513.28 | 0 | 0 | 3513.28 | 0 | 143456.19 | 143456.19 | 143456.19 | XXXXXX | 21887.55 | 6.23 | 6.23 | Fully Amortized | 7.875 | 2586.96 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095121 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 89.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 130 | 48157.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 707 | 728 | 0 | (No Data) | (No Data) | 728 | 0 | -898.55 | 0 | 0 | 898.55 | 0 | 367256.05 | 341967.46 | 341967.46 | XXXXXX | 341967.46 | 380.58 | 380.58 | Fully Amortized | 7.375 | 766.65 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095086 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 210.25 | (No Data) | (No Data) | 132.27 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 56 | 69511.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 671 | 740 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 740 | 0 | -4004.37 | 0 | 0 | 4004.37 | 0 | 119294.47 | 119294.47 | 119294.47 | XXXXXX | 119294.47 | 29.79 | 29.79 | Fully Amortized | 7.250 | 3438.17 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095049 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 114.70 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 207 | 15000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | 803 | 812 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 803 | 0 | -2087.82 | 0 | 0 | 2087.82 | 0 | 189379.60 | 189379.6 | 189379.6 | XXXXXX | 34405.19 | 16.48 | 16.48 | Fully Amortized | 6.999 | 1596.57 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095033 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 101.17 | (No Data) | (No Data) | (No Data) | 1174.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 252 | 728000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | Not Applicable | Not Applicable | 0 | (No Data) | (No Data) | 846 | 0 | -5310.29 | 0 | 0 | 5310.29 | 0 | 3414608.37 | 3130901.98 | 577544.51 | XXXXXX | 2630098.93 | 495.28 | 495.28 | Fully Amortized | 7.375 | 3108.04 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400094963 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 102.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 281 | 34500.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 814 | 796 | 793 | 0 | (No Data) | (No Data) | 796 | 0 | -3644.98 | 0 | 0 | 3644.98 | 0 | 193930.58 | 193930.58 | 159675.26 | XXXXXX | 64430.37 | 17.68 | 17.08 | Fully Amortized | 7.999 | 3076.43 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095044 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 127.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 135 | 20000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 748 | 759 | 753 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 753 | 0 | -1656.74 | 0 | 0 | 1656.74 | 0 | 106177.17 | 106177.17 | 106177.17 | XXXXXX | 106177.17 | 64.09 | 64.09 | Fully Amortized | 6.875 | 1438.68 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094856 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 1217.40 | (No Data) | (No Data) | (No Data) | 85.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 194 | 13850.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 700 | 646 | 702 | 19786.86 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 707 | 653 | 687 | 8797.36 | (No Data) | (No Data) | 700 | 28584.22 | 14595.86 | 35.47 | 48.94 | 13988.36 | 10140.09 | 141473.19 | 141473.19 | 141473.19 | XXXXXX | 141473.19 | 13.95 | 13.95 | Fully Amortized | 7.250 | 7862.09 | 35.47 | 48.94 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 400095165 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 54.67 | (No Data) | (No Data) | 0.00 | 2146.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 99 | 6750.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 690 | 678 | 691 | 62259.94 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 690 | 62259.94 | 33465.5 | 23.06 | 46.25 | 28794.44 | 14354.43 | 265716.08 | 265716.08 | 265716.08 | XXXXXX | 111094.05 | 16.42 | 16.42 | Fully Amortized | 7.875 | 3534.72 | 23.06 | 46.25 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095112 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 136.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 110 | 39600.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 753 | 724 | 0 | (No Data) | (No Data) | 741 | 0 | -1275.15 | 0 | 0 | 1275.15 | 0 | 70486.94 | 70486.94 | 70486.94 | XXXXXX | 70486.94 | 55.28 | 55.28 | Fully Amortized | 7.625 | 1029.84 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095153 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 57.56 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 102 | 6000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 671 | 742 | 766 | 0 | (No Data) | (No Data) | 742 | 0 | -1150.81 | 0 | 0 | 1150.81 | 0 | 55584.89 | 55584.89 | 55584.89 | XXXXXX | 55584.89 | 48.3 | 48.30 | Fully Amortized | 8.125 | 924.41 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095036 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 118.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 254 | 13300.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 746 | 744 | 744 | 0 | (No Data) | (No Data) | 782 | 0 | -2050.85 | 0 | 0 | 2050.85 | 0 | 135366.90 | 135366.9 | 135366.9 | XXXXXX | 70619.89 | 34.43 | 34.43 | Fully Amortized | 7.375 | 1685.25 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095179 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 209.67 | (No Data) | (No Data) | (No Data) | 89.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 2 | 12500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 773 | 784 | 779 | 69615 | (No Data) | (No Data) | 779 | 69615 | 63275.44 | 5.25 | 9.11 | 6339.56 | 3655 | 734239.83 | 734239.83 | 734239.83 | XXXXXX | 503960.98 | 194.46 | 194.46 | Fully Amortized | 7.500 | 1835.44 | 5.25 | 9.11 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | (No Data) | Business Tax Return - 12 months;<br> CPA Letter - 1 months; | (No Data) | (No Data) |
| 400094862 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 146.83 | (No Data) | (No Data) | (No Data) | 100.83 | Present | XXXXXX | 2 | No | Present | XXXXXX | 45 | 12000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 755 | 737 | 41176.81 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 741 | 41176.81 | 27719.42 | 15.23 | 32.68 | 13457.39 | 6270.26 | 308277.79 | 308277.79 | 308277.79 | XXXXXX | 107379.22 | 17.13 | 17.13 | Fully Amortized | 7.125 | 4092.85 | 15.23 | 32.68 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months; | (No Data) | (No Data) | (No Data) |
| 400095028 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 55.09 | (No Data) | (No Data) | (No Data) | 797.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 60 | 56102.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 667 | 666 | 666 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 732 | 721 | 746 | 0 | (No Data) | (No Data) | 732 | 0 | -2039.43 | 0 | 0 | 2039.43 | 0 | 105403.65 | 105403.65 | 105403.65 | XXXXXX | 36414.58 | 17.86 | 17.86 | Fully Amortized | 8.875 | 1058.21 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094998 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 61.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 273 | 17000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 816 | 824 | 801 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 816 | 0 | -2728.49 | 0 | 0 | 2728.49 | 0 | 206495.23 | 206495.23 | 206495.23 | XXXXXX | 6541.63 | 2.4 | 2.40 | Fully Amortized | 7.125 | 2203.06 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095095 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 58.92 | (No Data) | (No Data) | (No Data) | 150.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 273 | 23646.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 816 | 824 | 801 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 816 | 0 | -2502.06 | 0 | 0 | 2502.06 | 0 | 203223.67 | 203223.67 | 203223.67 | XXXXXX | 203223.67 | 81.22 | 81.22 | Fully Amortized | 6.999 | 2095.50 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094979 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 87.25 | (No Data) | (No Data) | (No Data) | 267.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 159 | 50000.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 723 | 757 | 770 | 0 | (No Data) | (No Data) | 757 | 0 | -4280.25 | 0 | 0 | 4280.25 | 0 | 185088.97 | 185088.97 | 185088.97 | XXXXXX | 185088.97 | 43.24 | 43.24 | Fully Amortized | 7.750 | 3492.51 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A B | N/A D | N/A B | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095014 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 114.42 | (No Data) | (No Data) | 193.91 | Not Applicable | Present | XXXXXX | 1 | No | Present | XXXXXX | 228 | 29000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 810 | 808 | 793 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 808 | 0 | -2813.39 | 0 | 0 | 2813.39 | 0 | 418717.41 | 418717.41 | 418717.41 | XXXXXX | 305916.6 | 108.74 | 108.74 | Fully Amortized | 7.250 | 2039.71 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094873 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 97.92 | (No Data) | (No Data) | (No Data) | 921.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 384 | 31520.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 762 | 744 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 744 | 0 | -9493.41 | 0 | 0 | 9493.41 | 7331.56 | 1132728.09 | 1007308.78 | 613166.39 | XXXXXX | 807303.91 | 110.11 | 110.11 | Fully Amortized | 7.875 | 6032.58 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) C | C A | A C | C A | A | Personal Bank Statements - 6 months; | (No Data) | (No Data) | (No Data) |
| 400095053 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 290.92 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 195 | 26499.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 692 | 717 | 0 | (No Data) | (No Data) | 692 | 0 | -3410.45 | 0 | 0 | 3410.45 | 0 | 204958.30 | 204958.3 | 204958.3 | XXXXXX | 204958.3 | 60.1 | 60.10 | Fully Amortized | 7.999 | 3096.20 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094946 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 124.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 135 | 24675.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 800 | 787 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 800 | 0 | -2303.19 | 0 | 0 | 2303.19 | 0 | 145598.35 | 145598.35 | 145598.35 | XXXXXX | 59048.14 | 25.64 | 25.64 | Fully Amortized | 8.375 | 1852.68 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094958 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 298.97 | (No Data) | (No Data) | (No Data) | 12.50 | Present | XXXXXX | 3 | No | Present | XXXXXX | 193 | 22200.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 769 | 759 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 769 | 0 | -2427.16 | 0 | 0 | 2427.16 | 0 | 203111.29 | 203111.29 | 203111.29 | XXXXXX | 87793.74 | 36.17 | 36.17 | Fully Amortized | 7.500 | 1713.08 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095032 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 69.80 | (No Data) | (No Data) | (No Data) | 180.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 441 | 23000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 781 | 788 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 781 | 0 | -1456.86 | 0 | 0 | 1456.86 | 0 | 470396.09 | 470396.09 | 470396.09 | XXXXXX | 418648.37 | 287.36 | 275.27 | Fully Amortized | 6.999 | 1043.89 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095031 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 68.97 | (No Data) | (No Data) | 0.00 | 155.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 120 | 23000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 781 | 788 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 781 | 0 | -1431.33 | 0 | 0 | 1431.33 | 0 | 595218.42 | 459132.5 | 141598.69 | XXXXXX | 402384.78 | 281.13 | 269.09 | Fully Amortized | 6.999 | 1043.89 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months;<br> DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095134 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 159.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 39 | 4850.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 682 | 656 | 652 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 656 | 0 | -1386.91 | 0 | 0 | 1386.91 | 0 | 26354.65 | 26354.65 | 26354.65 | XXXXXX | 26354.65 | 19 | 19.00 | Fully Amortized | 9.500 | 1136.00 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095071 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 146.89 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 456 | 33500.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 703 | 693 | 0 | (No Data) | (No Data) | 693 | 0 | -1320.69 | 0 | 0 | 1320.69 | 0 | 29042.60 | 29042.6 | 29042.6 | XXXXXX | 29042.6 | 21.99 | 21.99 | Fully Amortized | 8.999 | 989.60 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400094971 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 55.33 | (No Data) | (No Data) | (No Data) | 60.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 167 | 18500.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 813 | 799 | 779 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 799 | 0 | -1899.41 | 0 | 0 | 1899.41 | 0 | 113344.25 | 113344.25 | 113344.25 | XXXXXX | 19029.46 | 10.02 | 9.52 | Fully Amortized | 7.250 | 1779.57 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095006 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 141.63 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 284 | 57200.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 731 | 788 | 0 | (No Data) | (No Data) | 788 | 0 | -1727.38 | 0 | 0 | 1727.38 | 0 | 13510.81 | 13510.81 | 13510.81 | XXXXXX | 13510.81 | 7.82 | 7.82 | Fully Amortized | 7.250 | 1355.83 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400094923 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 0.00 | (No Data) | (No Data) | (No Data) | 422.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 202 | 35000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | 773 | 706 | 4940.58 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 706 | 4940.58 | 2940.73 | 35.22 | 40.48 | 1999.85 | 1739.85 | 245106.62 | 245106.62 | 245106.62 | XXXXXX | 93407.63 | 53.69 | 53.69 | Fully Amortized | 7.375 | 897.88 | 35.22 | 40.48 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Award Letter - 12 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095152 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 295.70 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 83 | 19000.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 748 | 768 | 722 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 748 | 0 | -2064.34 | 0 | 0 | 2064.34 | 0 | 154587.11 | 154587.11 | 154587.11 | XXXXXX | 67721.17 | 32.81 | 31.79 | Fully Amortized | 7.750 | 1446.27 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094901 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 116.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 346 | 21200.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 685 | 724 | 729 | 16752.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 719 | 727 | 9219.1 | (No Data) | (No Data) | 724 | 25971.1 | 12311.35 | 39.68 | 52.6 | 13659.75 | 10305.75 | 173293.24 | 145974.41 | 145974.41 | XXXXXX | 137023.42 | 13.3 | 13.30 | Fully Amortized | 8.500 | 9103.94 | 39.68 | 52.6 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) C B | C B A | A C B | C B A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 276 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months; | (No Data) | (No Data) |
| 400095034 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 406.09 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 236 | 6100.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 722 | 713 | 0 | (No Data) | (No Data) | 722 | 0 | -3632.63 | 0 | 0 | 3632.63 | 0 | 264781.08 | 264781.08 | 264781.08 | XXXXXX | 15509.88 | 4.27 | 4.27 | Fully Amortized | 6.999 | 2434.77 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095172 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 486.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 106 | 27707.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 770 | 742 | 66393 | (No Data) | (No Data) | 755 | 145891 | 116704.57 | 10.63 | 20.01 | 29186.43 | 15501 | 218501.36 | 218501.36 | 218501.36 | XXXXXX | 218501.36 | 41.3 | 41.30 | Fully Amortized | 7.875 | 4060.39 | 10.63 | 20.01 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | N/A B | N/A D B | N/A B | N/A | (No Data) | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) |
| 400095149 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 229.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 89 | 12000.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 704 | 701 | 704 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 704 | 0 | -4061.78 | 0 | 0 | 4061.78 | 0 | 106070.89 | 106070.89 | 106070.89 | XXXXXX | 106070.89 | 26.11 | 26.11 | Fully Amortized | 7.250 | 3479.10 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094863 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 253.18 | (No Data) | (No Data) | 279.75 | 6.25 | Present | XXXXXX | 3 | No | Present | XXXXXX | 437 | 26300.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 730 | 753 | 729 | 15728.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 731 | 759 | 792 | 15728 | (No Data) | (No Data) | 730 | 31456 | 22813.2 | 4.07 | 27.48 | 8642.8 | 1280 | 240209.98 | 240209.98 | 240209.98 | XXXXXX | 79612.21 | 16.69 | 16.69 | Fully Amortized | 7.875 | 4135.80 | 4.07 | 27.48 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D | C A | A D | C A | A | Business Bank Statements - 12 months;<br> CPA Letter - 192 months; | Business Bank Statements - 12 months;<br> CPA Letter - 192 months; | (No Data) | (No Data) |
| 400094870 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 209.12 | (No Data) | (No Data) | (No Data) | 460.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 411 | 16900.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 715 | 678 | 677 | 8023.14 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 607 | 589 | 554 | 8023.14 | (No Data) | (No Data) | 678 | 16046.28 | 9440.29 | 29.24 | 41.17 | 6605.99 | 4691.99 | 329504.03 | 303369.22 | 303369.22 | XXXXXX | 303369.22 | 64.66 | 64.66 | Fully Amortized | 8.375 | 3391.83 | 29.24 | 41.17 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) C B | C B A | A C B | C B A | A | Personal Bank Statements - 13 months; | CPA Letter without Income - 84 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) |
| 400095039 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 169.56 | (No Data) | (No Data) | (No Data) | 13.33 | Present | XXXXXX | 2 | No | Present | XXXXXX | 121 | 15000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 776 | 781 | 772 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 669 | 761 | 0 | (No Data) | (No Data) | 776 | 0 | -1751.57 | 0 | 0 | 1751.57 | 0 | 25443.50 | 25443.5 | 25443.5 | XXXXXX | 25443.5 | 14.53 | 14.53 | Fully Amortized | 8.125 | 1455.30 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095056 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 224.35 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 119 | 13500.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 732 | 721 | 739 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 732 | 0 | -7736.24 | 0 | 0 | 7736.24 | 0 | 189191.56 | 189191.56 | 189191.56 | XXXXXX | 189191.56 | 24.46 | 24.46 | Fully Amortized | 8.999 | 6597.32 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095151 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 91.20 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 68 | 6700.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 708 | 717 | 701 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 708 | 0 | -6120.74 | 0 | 0 | 6120.74 | 0 | 2096.43 | 2096.43 | 2096.43 | XXXXXX | 2096.43 | 0.34 | 0.34 | Fully Amortized | 6.999 | 5847.76 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A | A B | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095088 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 366.22 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 121 | 29000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 786 | 778 | 772 | 0 | (No Data) | (No Data) | 778 | 0 | -6553.96 | 0 | 0 | 6553.96 | 0 | 334932.37 | 334932.37 | 334932.37 | XXXXXX | 83837.03 | 12.79 | 12.79 | Fully Amortized | 7.750 | 5507.42 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095040 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 135.50 | (No Data) | (No Data) | (No Data) | 20.84 | Present | XXXXXX | 2 | No | Present | XXXXXX | 256 | 54051.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 729 | 724 | 714 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 724 | 0 | -1673.01 | 0 | 0 | 1673.01 | 0 | 131361.27 | 131361.27 | 131361.27 | XXXXXX | 131361.27 | 78.52 | 78.52 | Fully Amortized | 7.625 | 990.92 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095082 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 127.17 | (No Data) | (No Data) | (No Data) | 435.17 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 680 | 680 | 680 | 0 | (No Data) | (No Data) | 680 | 0 | -2487.29 | 0 | 0 | 2487.29 | 0 | 135739.15 | 135739.15 | 135739.15 | XXXXXX | 13966.69 | 5.62 | 5.62 | Fully Amortized | 7.999 | 1638.35 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095176 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 328.83 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 324 | 6500.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 690 | 713 | 680 | 18187.30 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 677 | 710 | 689 | 18187.3 | (No Data) | (No Data) | 690 | 36374.6 | 26086.69 | 0 | 28.28 | 10287.91 | 0 | 419531.23 | 419531.23 | 419531.23 | XXXXXX | 298839.98 | 94.33 | 94.33 | Fully Amortized | 8.500 | 2652.76 | 0 | 28.28 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 400094948 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 121.50 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 456 | 47817.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 784 | 807 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 719 | 728 | 690 | 0 | (No Data) | (No Data) | 806 | 0 | -3904.2 | 0 | 0 | 3904.2 | 0 | 249212.16 | 249047.24 | 249047.24 | XXXXXX | 99654.84 | 25.52 | 25.52 | Fully Amortized | 8.125 | 3229.87 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095080 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 82.67 | (No Data) | (No Data) | (No Data) | 25.16 | Present | XXXXXX | 2 | No | Present | XXXXXX | 84 | 15000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 745 | 728 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 758 | 744 | 0 | (No Data) | (No Data) | 758 | 0 | -1743.84 | 0 | 0 | 1743.84 | 0 | 106265.33 | 106265.33 | 106265.33 | XXXXXX | 39000.81 | 22.36 | 22.36 | Fully Amortized | 7.250 | 1319.50 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094916 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 236.46 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 78 | 7000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 687 | 729 | 707 | 22648.96 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 707 | 22648.96 | 12940.45 | 37.77 | 42.87 | 9708.51 | 8554.51 | 295290.93 | 295290.93 | 295290.93 | XXXXXX | 295290.93 | 34.52 | 31.79 | Custom Qual. P&I | (No Data) | 8040.20 | 41.02 | 46.11 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 13 months; | (No Data) | (No Data) | (No Data) |
| 400094983 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 119.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 350 | 21500.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 624 | 606 | 664 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 624 | 0 | -2266.31 | 0 | 0 | 2266.31 | 0 | 118253.84 | 118253.84 | 118253.84 | XXXXXX | 118253.84 | 52.18 | 52.18 | Fully Amortized | 9.500 | 1967.60 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094997 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 91.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 202 | 30000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 719 | 748 | 721 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 721 | 0 | -2168.82 | 0 | 0 | 2168.82 | 0 | 284169.23 | 284169.23 | 284169.23 | XXXXXX | 284169.23 | 131.02 | 131.02 | Fully Amortized | 7.125 | 1970.63 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094932 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 0.00 | (No Data) | (No Data) | (No Data) | 1265.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 156 | 15000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 796 | 786 | 780 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 786 | 0 | -6853.49 | 0 | 0 | 6853.49 | 6796.49 | 1540992.92 | 1426948.75 | 400551.3 | XXXXXX | 1271473.89 | 187.08 | 187.08 | Fully Amortized | 7.625 | 4989.60 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) C | A | A C | A | A | Personal Bank Statements - 6 months; | (No Data) | (No Data) | (No Data) |
| 400094928 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 130.78 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 3 | No | Present | XXXXXX | 228 | 22500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 703 | 708 | 665 | 10326.82 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 703 | 10326.82 | 8019.52 | 14.99 | 22.34 | 2307.3 | 1548.3 | 139391.63 | 139391.63 | 139391.63 | XXXXXX | 139391.63 | 90.03 | 90.03 | Fully Amortized | 7.500 | 1069.80 | 14.99 | 22.34 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400094872 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 842.42 | (No Data) | (No Data) | 431.08 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 167 | 67200.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 753 | 764 | 226231.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 753 | 226231 | 195001.16 | 5.52 | 13.8 | 31229.84 | 12477.84 | 1187996.07 | 1081426.12 | 1081426.12 | XXXXXX | 902815 | 72.35 | 72.35 | Fully Amortized | 8.875 | 9953.52 | 5.52 | 13.8 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400094925 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 77.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 71 | 17700.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 677 | 688 | 674 | 15784.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 674 | 696 | 674 | 0 | (No Data) | (No Data) | 677 | 15784 | 9971.55 | 26.91 | 36.82 | 5812.45 | 4246.69 | 248634.94 | 248634.94 | 248634.94 | XXXXXX | 248634.94 | 58.55 | 58.55 | Fully Amortized | 7.999 | 4016.98 | 26.91 | 36.82 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C B A | B C A | C B A | B | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| 400094882 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 1586.29 | (No Data) | (No Data) | (No Data) | 83.33 | Present | XXXXXX | 2 | No | Present | XXXXXX | 166 | 99983.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 739 | 767 | 54843.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 763 | 54843 | 29081.23 | 18.76 | 46.97 | 25761.77 | 10290.33 | 539897.13 | 539897.13 | 539897.13 | XXXXXX | 21417.51 | 1.43 | 1.43 | Fully Amortized | 7.999 | 10867.86 | 18.76 | 46.97 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | A | A | A | A | Business Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095016 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 82.83 | (No Data) | (No Data) | (No Data) | 59.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 172 | 26998.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 688 | 723 | 708 | 0 | (No Data) | (No Data) | 708 | 0 | -2703.11 | 0 | 0 | 2703.11 | 0 | 756154.84 | 756154.84 | 756154.84 | XXXXXX | 627941.63 | 232.3 | 232.30 | Fully Amortized | 7.625 | 2187.03 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095062 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 275.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 680 | 680 | 680 | 0 | (No Data) | (No Data) | 680 | 0 | -3500.17 | 0 | 0 | 3500.17 | 0 | 166570.06 | 161533.55 | 161533.55 | XXXXXX | 49900.79 | 14.26 | 14.26 | Fully Amortized | 8.875 | 2536.12 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094894 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 385.84 | (No Data) | (No Data) | 48.25 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 240 | 56946.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 650 | 680 | 658 | 32514.96 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 759 | 651 | 657 | 32514.96 | (No Data) | (No Data) | 658 | 65029.92 | 53766.93 | 13.26 | 17.32 | 11262.99 | 8622.11 | 665634.14 | 665634.14 | 665634.14 | XXXXXX | 71455.88 | 8.29 | 8.29 | Fully Amortized | 8.500 | 6804.89 | 13.26 | 17.32 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) C B | C B A | A C B | C B A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) |
| 400095111 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 74.45 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 68 | 20000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 739 | 748 | 754 | 0 | (No Data) | (No Data) | 748 | 0 | -1346.87 | 0 | 0 | 1346.87 | 0 | 67381.67 | 67381.67 | 67381.67 | XXXXXX | 67381.67 | 50.03 | 50.03 | Fully Amortized | 7.375 | 1061.92 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094886 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 223.17 | (No Data) | (No Data) | (No Data) | 95.83 | Present | XXXXXX | 1 | No | Present | XXXXXX | 100 | 15400.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 656 | 640 | 681 | 7071.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 656 | 7071 | 3573.08 | 31.62 | 49.47 | 3497.92 | 2235.92 | 94246.70 | 94246.7 | 94246.7 | XXXXXX | 15097.7 | 6.75 | 6.75 | Fully Amortized | 7.750 | 1074.62 | 31.62 | 49.47 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095147 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 84.75 | (No Data) | (No Data) | 0.00 | 783.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 219 | 27000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 783 | 810 | 771 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 783 | 0 | -2702.24 | 0 | 0 | 2702.24 | 0 | 687378.56 | 687378.56 | 687378.56 | XXXXXX | 6659.12 | 2.46 | 2.46 | I/O Amount | 6.875 | 914.19 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095019 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 94.84 | (No Data) | (No Data) | (No Data) | 59.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 224 | 20000.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 688 | 723 | 708 | 0 | (No Data) | (No Data) | 708 | 0 | -2572.1 | 0 | 0 | 2572.1 | 0 | 756154.84 | 756154.84 | 756154.84 | XXXXXX | 629869.13 | 244.89 | 244.88 | Fully Amortized | 7.625 | 2064.94 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095007 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 127.42 | (No Data) | (No Data) | 0.00 | 18.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 228 | 40949.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 739 | 721 | 749 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 739 | 0 | -3280.93 | 0 | 0 | 3280.93 | 0 | 198788.17 | 198788.17 | 198788.17 | XXXXXX | 29950.89 | 9.13 | 9.13 | Fully Amortized | 7.250 | 2483.13 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095024 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 82.84 | (No Data) | (No Data) | (No Data) | 59.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 70 | 26998.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 688 | 723 | 708 | 0 | (No Data) | (No Data) | 708 | 0 | -2566.33 | 0 | 0 | 2566.33 | 0 | 756154.84 | 756154.84 | 756154.84 | XXXXXX | 634081.59 | 247.08 | 247.08 | Fully Amortized | 7.625 | 2070.25 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094848 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 217.42 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 216 | 21411.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 797 | 776 | 778 | 35582.25 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 803 | 808 | 812 | 0 | (No Data) | (No Data) | 778 | 35582.25 | 27331.83 | 16.75 | 23.19 | 8250.42 | 5960.53 | 116727.79 | 116727.79 | 116727.79 | XXXXXX | 46678.41 | 7.83 | 7.83 | Fully Amortized | 9.875 | 5079.84 | 16.75 | 23.19 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 400095173 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 37.46 | (No Data) | (No Data) | (No Data) | 450.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 105 | 28500.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 744 | 769 | 10531.88 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 747 | 10531.88 | 5289.75 | 34.32 | 49.77 | 5242.13 | 3615 | 152678.24 | 131527.88 | 131527.88 | XXXXXX | 63367.96 | 34.07 | 34.07 | Fully Amortized | 7.999 | 1155.57 | 34.32 | 49.77 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | Paystub - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 400095164 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 72.34 | (No Data) | (No Data) | (No Data) | 98.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 103 | 20000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 808 | 781 | 807 | 14635 | (No Data) | (No Data) | 807 | 14635 | 9481.16 | 17 | 35.22 | 5153.84 | 2487.82 | 126932.05 | 126932.05 | 126932.05 | XXXXXX | 29115.35 | 12.43 | 12.43 | Fully Amortized | 7.250 | 2059.32 | 17 | 35.22 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | (No Data) | Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 400095129 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 141.42 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 156 | 25000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 724 | 728 | 762 | 0 | (No Data) | (No Data) | 728 | 0 | -2587.68 | 0 | 0 | 2587.68 | 0 | 234956.30 | 234956.3 | 234956.3 | XXXXXX | 234956.3 | 90.8 | 90.80 | Fully Amortized | 7.625 | 1778.89 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095098 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 85.84 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 166 | 36487.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 722 | 718 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 722 | 0 | -1482.63 | 0 | 0 | 1482.63 | 0 | 78082.67 | 78082.67 | 78082.67 | XXXXXX | 78082.67 | 52.66 | 52.66 | Fully Amortized | 7.750 | 1192.11 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095089 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 195.64 | (No Data) | (No Data) | 101.94 | 125.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 317 | 20000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 807 | 800 | 813 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 807 | 0 | -4018.6 | 0 | 0 | 4018.6 | 0 | 203100.06 | 203100.06 | 203100.06 | XXXXXX | 203100.06 | 50.54 | 50.54 | Fully Amortized | 6.999 | 3143.24 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095103 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 70.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 166 | 22000.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 722 | 718 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 722 | 0 | -1363.74 | 0 | 0 | 1363.74 | 0 | 70911.56 | 70911.56 | 70911.56 | XXXXXX | 70911.56 | 52 | 52.00 | Fully Amortized | 7.625 | 1114.78 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094895 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 241.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 165 | 21000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 737 | 734 | 742 | 94391.62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 737 | 94391.62 | 85450.57 | 5.77 | 9.47 | 8941.05 | 5446.86 | 51386.22 | 51386.22 | 51386.22 | XXXXXX | 51386.22 | 9.43 | 9.43 | Fully Amortized | 7.750 | 4642.36 | 5.77 | 9.47 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 36 months; | (No Data) | (No Data) | (No Data) |
| 400095000 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 337.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 105 | 7100.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 737 | 730 | 0 | (No Data) | (No Data) | 730 | 0 | -1615.79 | 0 | 0 | 1615.79 | 0 | 17418.78 | 17418.78 | 17418.78 | XXXXXX | 17418.78 | 10.78 | 10.78 | Fully Amortized | 8.875 | 1126.64 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094931 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 27.75 | (No Data) | (No Data) | 0.00 | 703.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 120 | 30000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 794 | 816 | 796 | 5628.13 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 796 | 5628.13 | 3057.19 | 43.35 | 45.68 | 2570.94 | 2439.94 | 797343.69 | 797343.69 | 797343.69 | XXXXXX | 300265.83 | 123.06 | 123.06 | Fully Amortized | 7.375 | 1036.02 | 43.35 | 45.68 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 400095136 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 68.84 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 389 | 40000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 750 | 741 | 754 | 0 | (No Data) | (No Data) | 750 | 0 | -1386.1 | 0 | 0 | 1386.1 | 0 | 69256.54 | 69256.54 | 69256.54 | XXXXXX | 69256.54 | 49.96 | 49.96 | Fully Amortized | 7.625 | 1061.70 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094943 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 240.75 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 138 | 75000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 769 | 766 | 688 | 0 | (No Data) | (No Data) | 766 | 0 | -3058.31 | 0 | 0 | 3058.31 | 0 | 70894.57 | 70894.57 | 70894.57 | XXXXXX | 70894.57 | 23.18 | 23.18 | Fully Amortized | 7.999 | 2685.33 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095110 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 169.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 4 | No | Present | XXXXXX | 182 | 46478.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 767 | 735 | 742 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 742 | 0 | -1755.12 | 0 | 0 | 1755.12 | 0 | 167663.74 | 167663.74 | 167663.74 | XXXXXX | 167663.74 | 95.53 | 95.53 | Fully Amortized | 6.999 | 1247.32 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094972 | Present | No | (No Data) | (No Data) | Final Title | Fee Simple | XXXXXX | 131.60 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 267 | 26000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 749 | 766 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 755 | 0 | -4487.18 | 0 | 0 | 4487.18 | 0 | 201646.92 | 201646.92 | 201646.92 | XXXXXX | 63504.68 | 14.15 | 14.15 | I/O Amount | 7.125 | 2918.28 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094977 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 41.67 | (No Data) | (No Data) | (No Data) | 115.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 89 | 30000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 775 | 752 | 734 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 752 | 0 | -1958.1 | 0 | 0 | 1958.1 | 0 | 195155.14 | 172108.5 | 118333.01 | XXXXXX | 63131.79 | 32.24 | 32.24 | Fully Amortized | 6.875 | 1650.54 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095096 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 58.08 | (No Data) | (No Data) | (No Data) | 27.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 175 | 38060.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 822 | 789 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 790 | 0 | -1694.53 | 0 | 0 | 1694.53 | 0 | 280176.53 | 280176.53 | 280176.53 | XXXXXX | 4717.35 | 2.78 | 2.78 | Fully Amortized | 7.375 | 1381.36 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095131 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 111.51 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 105 | 36000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 791 | 746 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 766 | 0 | -967.29 | 0 | 0 | 967.29 | 0 | 58060.39 | 58060.39 | 58060.39 | XXXXXX | 17080.63 | 17.66 | 17.66 | Fully Amortized | 7.375 | 725.21 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095115 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 66.34 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 232 | 28900.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 772 | 801 | 0 | (No Data) | (No Data) | 798 | 0 | -1333.11 | 0 | 0 | 1333.11 | 0 | 39108.74 | 39108.74 | 39108.74 | XXXXXX | 39108.74 | 29.34 | 29.34 | Fully Amortized | 6.999 | 1031.12 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095105 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 45.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 244 | 28900.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 772 | 801 | 0 | (No Data) | (No Data) | 798 | 0 | -1103.72 | 0 | 0 | 1103.72 | 0 | 14197.31 | 14197.31 | 14197.31 | XXXXXX | 14197.31 | 12.86 | 12.86 | Fully Amortized | 7.125 | 875.84 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095108 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 44.75 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 102 | 28900.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 772 | 801 | 0 | (No Data) | (No Data) | 798 | 0 | -1321.59 | 0 | 0 | 1321.59 | 0 | 38795.70 | 38795.7 | 38795.7 | XXXXXX | 38795.7 | 29.36 | 29.36 | Fully Amortized | 6.999 | 1031.12 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095126 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 39.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 232 | 28900.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 772 | 801 | 0 | (No Data) | (No Data) | 798 | 0 | -985.03 | 0 | 0 | 985.03 | 0 | 238.41 | 238.41 | 238.41 | XXXXXX | 238.41 | 0.24 | 0.24 | Fully Amortized | 7.125 | 774.78 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | N/A B | N/A B | N/A B | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095079 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 237.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 141 | 8000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 749 | 717 | 712 | 0 | (No Data) | (No Data) | 717 | 0 | -6040.38 | 0 | 0 | 6040.38 | 0 | 472447.18 | 472447.18 | 472447.18 | XXXXXX | 472447.18 | 78.21 | 78.21 | Fully Amortized | 7.999 | 4955.38 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400094957 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 176.00 | (No Data) | (No Data) | (No Data) | 664.00 | Present | XXXXXX | 6 | No | Present | XXXXXX | 145 | 6835.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 733 | 725 | 745 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 730 | 722 | 730 | 0 | (No Data) | (No Data) | 733 | 0 | -2673.61 | 0 | 0 | 2673.61 | 0 | 144915.37 | 144915.37 | 144915.37 | XXXXXX | 73459.36 | 27.48 | 27.48 | Fully Amortized | 8.500 | 1528.22 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094884 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 83.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 105 | 6500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 662 | 657 | 615 | 28550.16 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 657 | 28550.16 | 22667.03 | 19.33 | 20.61 | 5883.13 | 5518.13 | 290451.12 | 290451.12 | 290451.12 | XXXXXX | 6700.58 | 1.21 | 1.21 | Fully Amortized | 8.500 | 4655.78 | 19.33 | 20.61 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) C B | C B A | A C B | C B A | A | P & L Only - 24 months; | (No Data) | (No Data) | (No Data) |
| 400095003 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 184.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 114 | 35000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 706 | 730 | 702 | 0 | (No Data) | (No Data) | 760 | 0 | -1902.62 | 0 | 0 | 1902.62 | 0 | 188168.19 | 188168.19 | 188168.19 | XXXXXX | 188168.19 | 98.9 | 98.90 | Fully Amortized | 7.250 | 1422.34 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095171 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 47.04 | (No Data) | (No Data) | (No Data) | 283.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 84 | 20200.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 720 | 762 | 766 | 12033.34 | (No Data) | (No Data) | 762 | 12033.34 | 7120.05 | 21.7 | 40.83 | 4913.29 | 2611.21 | 194666.04 | 158040.82 | 158040.82 | XXXXXX | 89390.09 | 36.86 | 36.86 | Fully Amortized | 7.125 | 1643.88 | 21.7 | 40.83 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 72 months; | (No Data) | (No Data) |
| 400094899 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 105.50 | (No Data) | (No Data) | (No Data) | 694.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 30 | 4805.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 679 | 726 | 7864.01 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 686 | 7864.01 | 4053.37 | 37.15 | 48.46 | 3810.64 | 2921.45 | 129320.52 | 129320.52 | 129320.52 | XXXXXX | 34973.99 | 11.97 | 11.97 | Fully Amortized | 7.999 | 1826.91 | 37.15 | 48.46 | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 45 months; | (No Data) | (No Data) | (No Data) |
| 400094855 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 148.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 137 | 17000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 717 | 702 | 15621.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 717 | 15621 | 9602.53 | 36.63 | 38.53 | 6018.47 | 5721.47 | 84294.14 | 84294.14 | 84294.14 | XXXXXX | 74977.2 | 13.1 | 13.10 | Fully Amortized | 8.500 | 4921.05 | 36.63 | 38.53 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) C B | C B A | A C B | C B A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 72 months; | (No Data) | (No Data) | (No Data) |
| 400094910 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 706.37 | (No Data) | (No Data) | 0.00 | 54.17 | Present | XXXXXX | 8 | No | Present | XXXXXX | 120 | 56510.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 695 | 697 | 722 | 57271.94 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 694 | 710 | 696 | 0 | (No Data) | (No Data) | 697 | 57271.94 | 40404.85 | 14.66 | 29.45 | 16867.09 | 8396.18 | 338982.56 | 338982.56 | 338982.56 | XXXXXX | 109182 | 13 | 13.00 | Fully Amortized | 8.125 | 6236.98 | 14.66 | 29.45 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | A | A | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095125 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 71.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 122 | 17860.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 804 | 762 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 802 | 0 | -1819.85 | 0 | 0 | 1819.85 | 0 | 98529.59 | 98529.59 | 98529.59 | XXXXXX | 98529.59 | 54.14 | 54.14 | Fully Amortized | 7.625 | 1406.75 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094956 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 382.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 168 | 17500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 759 | 772 | 0 | (No Data) | (No Data) | 759 | 0 | -2363.36 | 0 | 0 | 2363.36 | 0 | 317984.75 | 317984.75 | 317984.75 | XXXXXX | 241417.06 | 102.15 | 102.15 | Fully Amortized | 7.625 | 1470.45 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400094903 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 65.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 110 | 13500.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 685 | 685 | 668 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 733 | 757 | 738 | 69412.25 | (No Data) | (No Data) | 738 | 69412.25 | 52642.97 | 14.32 | 24.16 | 16769.28 | 9937.57 | 242725.35 | 242725.35 | 242725.35 | XXXXXX | 133543.55 | 13.44 | 13.44 | Fully Amortized | 9.750 | 9305.94 | 14.32 | 24.16 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | A | A | A | A | (No Data) | Business Bank Statements - 13 months; | (No Data) | (No Data) |
| 400094975 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 41.50 | (No Data) | (No Data) | (No Data) | 103.58 | Present | XXXXXX | 4 | No | Present | XXXXXX | 381 | 51400.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 778 | 794 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 794 | 0 | -3979.62 | 0 | 0 | 3979.62 | 0 | 86144.73 | 86144.73 | 86144.73 | XXXXXX | 86144.73 | 21.65 | 20.74 | Fully Amortized | 7.500 | 3454.88 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095069 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 56.33 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 252 | 45653.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 761 | 722 | 752 | 0 | (No Data) | (No Data) | 752 | 0 | -2577.96 | 0 | 0 | 2577.96 | 0 | 72992.17 | 72992.17 | 72992.17 | XXXXXX | 72992.17 | 28.31 | 28.31 | Fully Amortized | 7.375 | 1813.03 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095010 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 77.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 97 | 20500.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 783 | 784 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 784 | 0 | -1889.83 | 0 | 0 | 1889.83 | 0 | 176097.00 | 176097 | 176097 | XXXXXX | 44027.2 | 23.3 | 21.99 | Fully Amortized | 6.875 | 1748.33 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095051 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 111.33 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 132 | 18000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 773 | 767 | 734 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 771 | 718 | 0 | (No Data) | (No Data) | 767 | 0 | -1538.3 | 0 | 0 | 1538.3 | 0 | 174435.26 | 174435.26 | 174435.26 | XXXXXX | 174435.26 | 113.39 | 113.39 | Fully Amortized | 7.875 | 1334.13 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095091 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 159.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 108 | 19000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 815 | 797 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 806 | 0 | -1383.96 | 0 | 0 | 1383.96 | 0 | 126434.29 | 105816.5 | 57708.31 | XXXXXX | 62532.07 | 45.18 | 45.18 | Fully Amortized | 7.999 | 1129.90 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095097 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 46.75 | (No Data) | (No Data) | (No Data) | 190.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 114 | 15000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 746 | 789 | 770 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 770 | 0 | -1637.1 | 0 | 0 | 1637.1 | 0 | 54443.23 | 54443.23 | 54443.23 | XXXXXX | 38988.4 | 23.82 | 23.82 | Fully Amortized | 7.625 | 1358.97 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095154 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 120.88 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 120 | 11000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 770 | 807 | 799 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 799 | 0 | -1989.29 | 0 | 0 | 1989.29 | 0 | 32179.36 | 32179.36 | 32179.36 | XXXXXX | 32179.36 | 16.18 | 16.18 | Fully Amortized | 6.999 | 1579.94 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095050 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 231.00 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 245 | 25000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 801 | 825 | 812 | 0 | (No Data) | (No Data) | 812 | 0 | -2845.28 | 0 | 0 | 2845.28 | 0 | 33730.89 | 33730.89 | 33730.89 | XXXXXX | 19029.06 | 6.69 | 6.69 | Fully Amortized | 7.500 | 1817.96 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094974 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 46.38 | (No Data) | (No Data) | (No Data) | 295.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 96 | 30000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 816 | 828 | 793 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 816 | 0 | -3079.82 | 0 | 0 | 3079.82 | 0 | 284154.84 | 284154.84 | 284154.84 | XXXXXX | 45556.56 | 14.79 | 14.79 | I/O Amount | 7.250 | 2175.00 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095022 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 77.57 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 216 | 80000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 650 | 698 | 692 | 0 | (No Data) | (No Data) | 692 | 0 | -1135.63 | 0 | 0 | 1135.63 | 0 | 43560.86 | 43560.86 | 43560.86 | XXXXXX | 43560.86 | 38.36 | 38.36 | Fully Amortized | 8.625 | 1001.80 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A B | N/A D | N/A B | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094900 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 333.49 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 252 | 40000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 670 | 673 | 709 | 11761.01 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 673 | 12682.34 | 6779.79 | 45.99 | 46.54 | 5902.55 | 5832.55 | 74678.71 | 74678.71 | 74678.71 | XXXXXX | 74678.71 | 12.8 | 12.80 | Fully Amortized | 7.999 | 5078.93 | 45.99 | 46.54 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C B | C B A | A C B | C B A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095101 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 46.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 102 | 5100.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 634 | 628 | 671 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 634 | 0 | -1282.92 | 0 | 0 | 1282.92 | 0 | 88253.73 | 88253.73 | 88253.73 | XXXXXX | 88253.73 | 68.79 | 68.79 | Fully Amortized | 9.625 | 866.99 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094853 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 160.73 | (No Data) | (No Data) | (No Data) | 219.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 53 | 1126.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 771 | 798 | 778 | 20498.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 778 | 20498 | 16209.22 | 20.78 | 20.92 | 4288.78 | 4258.78 | 190311.29 | 190311.29 | 190311.29 | XXXXXX | 50943.12 | 11.96 | 11.96 | Fully Amortized | 7.250 | 3465.46 | 20.78 | 20.92 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | A | A | A | A | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400095100 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 68.67 | (No Data) | (No Data) | (No Data) | 158.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 197 | 28000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 807 | 808 | 788 | 0 | (No Data) | (No Data) | 807 | 0 | -2191.99 | 0 | 0 | 2191.99 | 0 | 204742.57 | 204742.57 | 204742.57 | XXXXXX | 12372.98 | 5.64 | 5.64 | Fully Amortized | 7.375 | 1036.02 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094949 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 277.50 | (No Data) | (No Data) | (No Data) | 491.16 | Present | XXXXXX | 1 | No | Present | XXXXXX | 132 | 21500.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 638 | 626 | 628 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 628 | 0 | -7918.13 | 0 | 0 | 7918.13 | 0 | 52413.36 | 52413.36 | 52413.36 | XXXXXX | 52413.36 | 6.62 | 6.62 | Fully Amortized | 9.500 | 6763.50 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095058 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 158.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 103 | 10400.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 782 | 783 | 765 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 782 | 0 | -2033.63 | 0 | 0 | 2033.63 | 0 | 97380.45 | 97380.45 | 97380.45 | XXXXXX | 20180.56 | 9.92 | 9.92 | Fully Amortized | 7.500 | 1573.24 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094970 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 68.93 | (No Data) | (No Data) | (No Data) | 40.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 248 | 16276.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 762 | 772 | 720 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 762 | 0 | -2735.23 | 0 | 0 | 2735.23 | 0 | 125615.07 | 125615.07 | 125615.07 | XXXXXX | 22713.76 | 8.3 | 8.30 | Fully Amortized | 7.375 | 2149.73 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094885 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 306.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 29 | 16500.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 678 | 661 | 680 | 3466.67 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 675 | 686 | 663 | 3688 | (No Data) | (No Data) | 678 | 7154.67 | 3577.83 | 42.77 | 49.99 | 3576.84 | 3060.36 | 24702.82 | 24702.82 | 24702.82 | XXXXXX | 6208.69 | 2.03 | 2.03 | Fully Amortized | 8.750 | 2163.43 | 42.77 | 49.99 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors D C | A | A D C | A | A | Paystub - 1 months;<br> W2 - 24 months; | CPA Letter without Income - 32 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 400094973 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 121.75 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | Not Applicable | No | Not Applicable | XXXXXX | 6 | 600.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 680 | 680 | 680 | 0 | (No Data) | (No Data) | 680 | 0 | -1820.04 | 0 | 0 | 1820.04 | 0 | 82901.79 | 82901.79 | 82901.79 | XXXXXX | 25496.86 | 14.01 | 13.66 | Fully Amortized | 8.750 | 1523.40 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094898 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 131.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 79 | 11000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 772 | 795 | 784 | 10020.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 784 | 10020 | 6595.67 | 33.91 | 34.17 | 3424.33 | 3397.33 | 142836.40 | 142836.4 | 142836.4 | XXXXXX | 31233.72 | 9.19 | 9.19 | Fully Amortized | 7.999 | 2934.20 | 33.91 | 34.18 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) B | A B | A B | A B | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 27 months; | (No Data) | (No Data) | (No Data) |
| 400095099 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 157.84 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 230 | 29000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 739 | 720 | 728 | 0 | (No Data) | (No Data) | 728 | 0 | -3183.74 | 0 | 0 | 3183.74 | 0 | 31958.78 | 31958.78 | 31958.78 | XXXXXX | 31958.78 | 10.04 | 10.04 | Fully Amortized | 8.125 | 2524.50 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095046 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 40.92 | (No Data) | (No Data) | (No Data) | 102.50 | Present | XXXXXX | 1 | No | Present | XXXXXX | 274 | 16300.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 730 | 701 | 754 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 730 | 0 | -2193.94 | 0 | 0 | 2193.94 | 0 | 234959.41 | 234959.41 | 234959.41 | XXXXXX | 234959.41 | 107.09 | 107.09 | Fully Amortized | 7.999 | 1870.93 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095156 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 410.90 | (No Data) | (No Data) | (No Data) | 211.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 189 | 22000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 743 | 761 | 718 | 0 | (No Data) | (No Data) | 743 | 0 | -7131.02 | 0 | 0 | 7131.02 | 0 | 1381666.10 | 1381666.1 | 1381666.1 | XXXXXX | 1111519.77 | 155.87 | 155.87 | Fully Amortized | 7.625 | 5281.92 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094986 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 158.83 | (No Data) | (No Data) | 57.58 | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 275 | 25500.00 | 18 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 813 | 762 | 760 | 0 | (No Data) | (No Data) | 762 | 0 | -4570.12 | 0 | 0 | 4570.12 | 0 | 288416.61 | 288416.61 | 288416.61 | XXXXXX | 288416.61 | 63.11 | 63.11 | Fully Amortized | 7.625 | 3730.79 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400094929 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 185.17 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 276 | 42340.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 701 | 732 | 733 | 10725.27 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 732 | 10725.27 | 7847.78 | 15.23 | 26.83 | 2877.49 | 1633.49 | 503776.41 | 503776.41 | 503776.41 | XXXXXX | 149525.19 | 91.54 | 91.54 | Fully Amortized | 7.250 | 1040.32 | 15.23 | 26.83 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors B | B A | B A | B A | B | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months; | (No Data) | (No Data) | (No Data) |
| 400094869 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 196.09 | (No Data) | (No Data) | 158.75 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 124 | 22500.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 729 | 695 | 26559.33 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 804 | 816 | 815 | 5185.31 | (No Data) | (No Data) | 726 | 31744.64 | 19451.15 | 22.06 | 38.73 | 12293.49 | 7004.2 | 661986.19 | 557297.4 | 557297.4 | XXXXXX | 330346.7 | 47.16 | 47.16 | Fully Amortized | 7.375 | 6409.47 | 22.06 | 38.73 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D | D B A | A D | D B A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) |
| 400095084 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 107.47 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 101 | 28200.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 656 | 696 | 696 | 0 | (No Data) | (No Data) | 696 | 0 | -1291.65 | 0 | 0 | 1291.65 | 0 | 104138.45 | 104138.45 | 104138.45 | XXXXXX | 104138.45 | 80.62 | 80.62 | Fully Amortized | 8.750 | 991.25 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095143 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 174.74 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 249 | 28200.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 656 | 696 | 696 | 0 | (No Data) | (No Data) | 696 | 0 | -1879.91 | 0 | 0 | 1879.91 | 0 | 38447.55 | 38447.55 | 38447.55 | XXXXXX | 38447.55 | 20.45 | 20.45 | Fully Amortized | 8.250 | 1549.49 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095094 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 117.32 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 158 | 11000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 804 | 791 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 804 | 0 | -1731.97 | 0 | 0 | 1731.97 | 0 | 100221.77 | 100221.77 | 100221.77 | XXXXXX | 4588.1 | 2.65 | 2.65 | Fully Amortized | 7.250 | 1337.07 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A B | A D | A B | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094914 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 91.84 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 158 | 7000.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 671 | 617 | 649 | 11629.84 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 649 | 11629.84 | 5470.91 | 22.22 | 52.96 | 6158.93 | 2583.93 | 72831.04 | 72831.04 | 72831.04 | XXXXXX | 72831.04 | 28.19 | 28.19 | Fully Amortized | 9.999 | 2383.29 | 22.22 | 52.96 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors C | C A | A C | C A | A | CPA Letter without Income - 24 months;<br> P & L - 24 months; | (No Data) | (No Data) | (No Data) |
| 400094995 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 277.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 284 | 14000.00 | 15 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 719 | 726 | 725 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 763 | 750 | 0 | (No Data) | (No Data) | 750 | 0 | -2110.14 | 0 | 0 | 2110.14 | 0 | 155975.94 | 155975.94 | 155975.94 | XXXXXX | 86971.7 | 41.22 | 41.22 | Fully Amortized | 7.500 | 1633.37 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095060 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 263.07 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 156 | 20000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 724 | 746 | 740 | 0 | (No Data) | (No Data) | 740 | 0 | -2818.91 | 0 | 0 | 2818.91 | 0 | 331065.28 | 331065.28 | 331065.28 | XXXXXX | 331065.28 | 117.44 | 117.44 | Fully Amortized | 8.999 | 2188.38 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095158 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 243.98 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 43 | 4000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 653 | 677 | 661 | 53554.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 661 | 53554 | 46386.94 | 2.33 | 13.38 | 7167.06 | 1250 | 601527.69 | 300763.84 | 300763.84 | XXXXXX | 34245.98 | 6.61 | 6.61 | Fully Amortized | 8.750 | 3835.17 | 2.33 | 13.38 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 400094950 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 286.92 | (No Data) | (No Data) | (No Data) | 732.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 242 | 36500.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 686 | 702 | 674 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 686 | 0 | -3741.28 | 0 | 0 | 3741.28 | 0 | 427736.04 | 343865.29 | 343865.29 | XXXXXX | 204366.78 | 54.62 | 54.62 | Fully Amortized | 8.375 | 2128.21 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094968 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 123.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 94 | 14000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 785 | 763 | 732 | 0 | (No Data) | (No Data) | 763 | 0 | -2199.96 | 0 | 0 | 2199.96 | 0 | 17611.38 | 17611.38 | 17611.38 | XXXXXX | 14591.5 | 6.63 | 6.63 | Fully Amortized | 7.375 | 1563.00 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095037 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 127.75 | (No Data) | (No Data) | (No Data) | 66.25 | Present | XXXXXX | 2 | No | Present | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 680 | 680 | 680 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 680 | 0 | -2162.09 | 0 | 0 | 2162.09 | 0 | 262324.15 | 262324.15 | 262324.15 | XXXXXX | 93050.4 | 43.04 | 43.04 | Fully Amortized | 7.375 | 1150.95 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095055 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 101.08 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 84 | 12500.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 790 | 756 | 780 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 780 | 0 | -1336.9 | 0 | 0 | 1336.9 | 0 | 17112.80 | 17112.8 | 17112.8 | XXXXXX | 17112.8 | 12.8 | 12.80 | Fully Amortized | 6.999 | 1064.38 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094999 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 97.02 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 536 | 15000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0 | (No Data) | (No Data) | 797 | 0 | -1851.63 | 0 | 0 | 1851.63 | 0 | 16032.60 | 16032.6 | 16032.6 | XXXXXX | 16032.6 | 8.66 | 8.66 | Fully Amortized | 7.250 | 1447.92 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400094906 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 252.15 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 120 | 19000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 649 | 639 | 661 | 20865.97 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 649 | 20865.97 | 11881.53 | 42.07 | 43.06 | 8984.44 | 8777.44 | 155188.54 | 155188.54 | 155188.54 | XXXXXX | 155188.54 | 17.68 | 17.68 | Fully Amortized | 7.999 | 7703.80 | 42.07 | 43.06 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) C | C A | A C | C A | A | Paystub - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 400094976 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 189.01 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 132 | 7500.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 646 | 615 | 660 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 646 | 0 | -3747.86 | 0 | 0 | 3747.86 | 0 | 95795.11 | 95795.11 | 95795.11 | XXXXXX | 95795.11 | 25.56 | 24.68 | Fully Amortized | 7.999 | 3253.71 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095035 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 108.92 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 251 | 35000.00 | 8 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 756 | 786 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 684 | 701 | 658 | 0 | (No Data) | (No Data) | 781 | 0 | -3292.67 | 0 | 0 | 3292.67 | 0 | 21220.03 | 21220.03 | 21220.03 | XXXXXX | 21220.03 | 6.44 | 6.44 | Fully Amortized | 6.999 | 2704.19 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095074 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 101.62 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 336 | 54785.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | Unavailable | 754 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 714 | 0 | -2122.24 | 0 | 0 | 2122.24 | 0 | 130449.20 | 130449.2 | 130449.2 | XXXXXX | 130449.2 | 61.47 | 61.47 | Fully Amortized | 7.250 | 1739.55 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095180 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 63.76 | (No Data) | (No Data) | (No Data) | 402.14 | Present | XXXXXX | 1 | No | Present | XXXXXX | 156 | 8000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 817 | 824 | 809 | 14269.66 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 817 | 14269.66 | 9098.46 | 5.7 | 36.24 | 5171.2 | 813.36 | 975889.33 | 975889.33 | 975889.33 | XXXXXX | 749457.12 | 245.09 | 245.09 | Fully Amortized | 6.999 | 2055.58 | 5.7 | 36.24 | Full Doc | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D C | A | A D C | A | A | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 400094892 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 570.60 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 79 | 9350.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 731 | 694 | 708 | 9770.80 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 683 | 695 | 686 | 29540 | (No Data) | (No Data) | 708 | 39310.8 | 24631.21 | 31.93 | 37.34 | 14679.59 | 12550.59 | 465067.25 | 448480.18 | 448480.18 | XXXXXX | 187410.89 | 14.93 | 14.93 | Fully Amortized | 8.625 | 11666.85 | 31.93 | 37.34 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) C B | C B A | A C B | C B A | A | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) |
| 400095065 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 83.24 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 7 | No | Present | XXXXXX | 125 | 14000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 622 | 610 | 636 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 622 | 0 | -2704.22 | 0 | 0 | 2704.22 | 0 | 254216.72 | 254216.72 | 254216.72 | XXXXXX | 254216.72 | 94.01 | 94.01 | Fully Amortized | 9.375 | 2351.78 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095005 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 94.25 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 209 | 24500.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 813 | 772 | 805 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 805 | 0 | -2984.17 | 0 | 0 | 2984.17 | 0 | 346509.95 | 346509.95 | 346509.95 | XXXXXX | 346509.95 | 116.12 | 116.12 | Fully Amortized | 7.500 | 2548.64 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094951 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 132.42 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 107 | 39.59 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 735 | 706 | 737 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 735 | 0 | -3591.68 | 0 | 0 | 3591.68 | 0 | 115349.10 | 114435.8 | 114435.8 | XXXXXX | 60481.12 | 16.84 | 16.84 | Qualifying Rate | 8.250 | 3007.81 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095012 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 62.38 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 132 | 38160.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 667 | 687 | 687 | 0 | (No Data) | (No Data) | 687 | 0 | -1302.97 | 0 | 0 | 1302.97 | 0 | 124390.79 | 124390.79 | 124390.79 | XXXXXX | 124390.79 | 95.47 | 92.89 | Fully Amortized | 8.250 | 968.38 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095075 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 76.25 | (No Data) | (No Data) | (No Data) | 59.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 278 | 29300.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 782 | 801 | 0 | (No Data) | (No Data) | 782 | 0 | -2131.48 | 0 | 0 | 2131.48 | 0 | 253865.04 | 253865.04 | 253865.04 | XXXXXX | 253865.04 | 119.1 | 119.10 | Fully Amortized | 7.375 | 1816.48 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 400095059 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 95.75 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 3 | No | Present | XXXXXX | 108 | 6600.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 741 | 790 | 806 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 790 | 0 | -1766.3 | 0 | 0 | 1766.3 | 0 | 86527.71 | 86527.71 | 86527.71 | XXXXXX | 24459.58 | 13.85 | 13.85 | Fully Amortized | 7.625 | 1387.28 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095138 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 632.17 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 132 | 7500.00 | 14 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 717 | 709 | 695 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 709 | 0 | -3506.27 | 0 | 0 | 3506.27 | 0 | 42146.35 | 42146.35 | 42146.35 | XXXXXX | 42146.35 | 12.02 | 12.02 | Fully Amortized | 6.999 | 1967.77 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094938 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 120.64 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 162 | 25000.00 | 17 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 727 | 741 | 704 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 727 | 0 | -3044.35 | 0 | 0 | 3044.35 | 0 | 74028.70 | 74028.7 | 74028.7 | XXXXXX | 74028.7 | 24.32 | 24.32 | Fully Amortized | 9.250 | 2529.73 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | A | A | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095029 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 200.58 | (No Data) | (No Data) | (No Data) | Not Applicable | Present | XXXXXX | 2 | No | Present | XXXXXX | 84 | 7000.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 797 | 801 | 786 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0 | (No Data) | (No Data) | 797 | 0 | -4392.28 | 0 | 0 | 4392.28 | 0 | 501413.44 | 501413.44 | 501413.44 | XXXXXX | 501413.44 | 114.16 | 114.16 | Fully Amortized | 6.999 | 3472.53 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | A B | A B | A B | A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400095133 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 68.02 | (No Data) | (No Data) | (No Data) | 525.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 144 | 35200.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 762 | 765 | 0 | (No Data) | (No Data) | 763 | 0 | -2019.36 | 0 | 0 | 2019.36 | 0 | 37500.35 | 37500.35 | 37500.35 | XXXXXX | 37500.35 | 18.57 | 18.57 | Fully Amortized | 7.875 | 1359.51 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094942 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 144.86 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 96 | 10300.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 683 | 698 | 683 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 683 | 0 | -3514.57 | 0 | 0 | 3514.57 | 0 | 191783.44 | 191783.44 | 191783.44 | XXXXXX | 28643.94 | 8.15 | 7.94 | Fully Amortized | 8.999 | 3326.17 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094851 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 150.50 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 60 | 12000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 736 | 784 | 743 | 22057.05 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 743 | 22057.05 | 14396.87 | 34.39 | 34.73 | 7660.18 | 7586.18 | 246574.90 | 246574.9 | 246574.9 | XXXXXX | 96247.58 | 12.69 | 12.69 | Fully Amortized | 7.875 | 6458.92 | 34.39 | 34.73 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D | D A | A D | D A | A | CPA Letter without Income - 60 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 400094982 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 128.75 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 277 | 12000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 722 | 730 | 727 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 727 | 0 | -2495.82 | 0 | 0 | 2495.82 | 0 | 170345.82 | 170345.82 | 170345.82 | XXXXXX | 170345.82 | 68.25 | 68.25 | Fully Amortized | 7.375 | 2072.03 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400094984 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 190.23 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 156 | 24300.00 | 20 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 655 | 686 | 680 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 680 | 0 | -2337.94 | 0 | 0 | 2337.94 | 0 | 125852.36 | 125852.36 | 125852.36 | XXXXXX | 125852.36 | 53.83 | 53.83 | Fully Amortized | 7.750 | 2041.78 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 400095011 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 136.84 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | Not Applicable | No | Present | XXXXXX | 83 | 25000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 781 | 758 | 791 | 0 | (No Data) | (No Data) | 781 | 0 | -1685.68 | 0 | 0 | 1685.68 | 0 | 99341.08 | 99341.08 | 99341.08 | XXXXXX | 74456.62 | 44.17 | 44.17 | Fully Amortized | 7.500 | 1289.11 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | N/A | N/A | N/A | N/A | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 400094935 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 139.01 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 131 | 34583.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 714 | 735 | 709 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | 714 | 0 | -3243.34 | 0 | 0 | 3243.34 | 0 | 151695.32 | 151695.32 | 151695.32 | XXXXXX | 41973.25 | 12.94 | 12.94 | Fully Amortized | 9.625 | 2677.47 | 0 | 0 | Alt Doc/Bank Statements | No | (No Data) | (No Data) | Present | XXXXXX | Missing | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | A | A D | A | A | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |

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| | |
|:---|:---|
| **Client Name:** | **Client Name:** |
| **Client Project Name:** | SAN 2025-NQM3 |
| **Start - End Dates:** | 8/7/2024 - 2/7/2025 |
| **Deal Loan Count:** | 270 |
| **Valuations Summary** | **Valuations Summary** |

---

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans in Report:* | *270* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| 400072696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400081662 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| 400094993 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400072701 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.4 |
| 400081692 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400081696 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400088252 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400081706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400088169 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095061 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400088055 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094915 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400088663 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 400094994 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400088192 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400088167 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400088099 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094947 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095178 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 400088193 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400088062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400088216 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400088210 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 23.60% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 400088142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400088176 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400088100 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400088093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400088219 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095140 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400088145 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400088103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400088059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094991 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095054 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095041 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094926 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 400088125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094937 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 400094888 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095023 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095102 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095066 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400088260 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095114 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400088232 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094990 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094996 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094987 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095002 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095009 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 400095117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -9.38% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.4 |
| 400095161 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095001 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095004 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094992 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094868 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400094877 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400094847 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094891 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400088155 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094922 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095150 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094965 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095077 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 400095064 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095070 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094969 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400095020 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094959 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094953 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095090 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094864 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094989 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095048 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -16.67% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094964 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400094940 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 400095120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095078 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095146 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094875 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 400095021 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095130 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -10.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094936 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095018 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095052 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095163 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 400094939 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 21.74% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 8.70% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400095045 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094897 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094887 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094934 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094955 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094960 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 |
| 400095073 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095038 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094927 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094890 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| 400094967 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095015 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094861 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094966 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095086 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| 400095049 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 400095033 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094963 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095044 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094856 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095165 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095112 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 400095153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095179 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094862 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094998 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094979 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095014 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 400094873 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.4 |
| 400095053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094946 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094958 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095032 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095031 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095071 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094971 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095006 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094923 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095172 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095149 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094863 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094870 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 400095039 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095056 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095151 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095088 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095040 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095176 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 400094948 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 400095080 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -5.02% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094983 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094997 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094932 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 400094928 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094872 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094925 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094882 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 400095016 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400095062 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094894 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 400095111 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400094886 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095019 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400095007 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400094848 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.80% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 400095173 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400095164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095129 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095098 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095089 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -8.73% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 400095103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094895 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 400095000 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094931 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 |
| 400095136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094943 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095110 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094972 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400094977 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095131 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095115 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400095105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095108 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095126 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095079 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095003 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400095171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094899 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094855 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094910 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094956 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094903 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094975 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095010 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400095051 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095091 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095097 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095050 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094974 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095022 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094900 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400095101 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094853 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095100 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094949 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| 400095058 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094970 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094885 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094973 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 400094898 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095099 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095046 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400095156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094986 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094929 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094869 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095084 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| 400095143 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095094 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 400094914 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094995 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095060 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095158 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400094950 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094968 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095037 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095055 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094999 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 400094906 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 400094976 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095035 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 400095074 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095180 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094892 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 400095065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095005 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094951 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095012 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 400095138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 400094938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095029 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 400095133 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 400094942 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 400094851 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094982 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 400094984 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400095011 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 400094935 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |

---

## Exhibit 99.7

**Exhibit 99.7**

![](tm2517341d1_ex99-7img001.jpg)

Executive Summary

SAN 2025-NQM3

&nbsp;&nbsp;&nbsp;&nbsp;**(1)** Type of Assets.

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of SG Capital Partners LLC (the "Client"). The loans were originated by multiple Correspondent Sellers and acquired directly (or indirectly) by Santander Bank, N.A through Reliance Letters. The loan reviews were conducted from August 2024 through February 2025 by CRES.

&nbsp;&nbsp;&nbsp;&nbsp;**(2)** Number of Assets.

There were 17 assets in the loan population.

&nbsp;&nbsp;&nbsp;&nbsp;**(3)** Review Process.

The post-closing loan reviews were graded in accordance with the following NRSRO(s) Third Party Due- Diligence Criteria, in addition to the review grading of "Meets Guidelines" or "Does Not Meet Guidelines":

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Global Methodology And Assumptions: Assessing Pools Of Residential Loans, Jan. 25, 2019<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Global Methodology And Assumptions: Assessing Pools Of Residential Loans-U.S. And Canada Supplement, Feb 21, 2025<br>|

---

The post-closing reviews included a re-underwrite of each borrowers' credit, an analysis of the property valuation, and regulatory compliance testing. Post-closing reviews are underwritten to the applicable lender's or client's underwriting guidelines and credit matrices. The review scope and methodology of these different review areas is discussed in subsequent sections of this document.

&nbsp;&nbsp;&nbsp;&nbsp;**(4)** Sample size of the assets reviewed.

The due diligence review was conducted on 100% of the loan population and consisted of 17 mortgage loans with an aggregate original principal balance of approximately $11,766,140. The mortgage loans originated from August 2024 through March 2025.

Page 1 of 11

&nbsp;&nbsp;&nbsp;&nbsp;**(5)** Asset Review

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below, including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

**Credit Review and Methodology**

**Credit Report**: Analyzed the Borrower's credit report/credit history, confirming that credit scores, liabilities and public records met guideline requirements. Liabilities gathered from the credit report were included in the re-calculation of the debt-to-income ratio as appropriate. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) credit report date, (ii) bankruptcy date, (iii) bankruptcy discharge date, (iv) bankruptcy chapter, (v) foreclosure date, (vi) short sell date, (vii) longest trade line (active), (viii) longest trade line balance (active), (ix) months reviewed, (x) number of trade lines, (xi) credit scores, (xii) revolving debts and (xiii) installments debts.

**Loan Application (1003):** Reviewed the Borrower's Loan Application including comparison of initial loan application against the final loan application, or other loan applications found in the file, to identify potential discrepancies. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) purpose, (ii) years in primary residence, (iii) number of mortgaged properties (as compared with the credit reports disclosed mortgages), (iv) application date, (v) borrower information (name, date of birth, social security number and number of family members), (vi) borrower's address, (vii) borrower(s)' employment information (including address, years at job, years in field), (vii) monthly income and (ix) citizenship.

**Loan Approval/Exception Form (if applicable):** Reviewed the Lender's approval and Client's exception approval documentation to confirm appropriate risk mitigating factors were present when granting exceptions.

**Sales Contract (if applicable):** Reviewed the sales contract to confirm buyer(s) and seller(s), sales price and property address matches other documents.

**Title:** Reviewed the title policy or commitment to identify possible judgments or other liens that may have existed at origination. In addition, proper vesting and parties (as disclosed on sales contract, note, and deed) were reflected accurately.

**Hazard and Flood Insurance:** Reviewed hazard and flood (if applicable) insurance to ensure policy met the minimum required amount of replacement coverage.

**Employment and Income (DTI Loans):** Reviewed borrower(s)' employment and income documentation used for qualification purposes and as applicable, Appendix Q or Ability to Repay, including recalculation of debt-to-income ratio (DTI) to confirm compliance with underwriting guidelines. Items reviewed included: (i) verbal or written verifications of employment, (ii) pay stubs, (iii) W-2's, (iv) federal tax returns, (v) bank statements, (vi) profit and loss statements, and (vii) IRS tax transcripts (when provided).

**Leases and Market Rents (DSCR Loans):** Reviewed lease agreements and third-party market rent documents to confirm compliance with Debt-Service-Coverage-Ratio requirements. Note, the documentation that can be used to establish market rents can vary from lender to lender. CRES reviews the market rent source, to ensure compliance with applicable guidelines. In some cases, lenders may not require proof of market rents, if a sourced payment history can be provided along with the lease agreement.

**Assets:** Reviewed (i) bank statements, (ii) verification-of-deposit (VOD) and (iii) stock or security account statements to ensure adequate assets were provided verifying down payment, closing costs and reserves required by the guidelines and as applicable Appendix Q or Ability to Repay.

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the qualification of credit and income, assets, property type and usage, LTV/CLTV, and documentation requirements to applicable underwriting guidelines and loan program matrices. Items included, but not limited to: FICO, housing history, bankruptcy and foreclosure seasoning, occupancy, credit grade, loan amounts (minimum and maximum), maximum cash out amount, reserves, residual income, minimum trade lines and debt to income ratio requirements.

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Unless otherwise stated in the Lender's or Client's guidelines, Fannie Mae guidelines prevail.

**Property Valuation Review and Methodology**

CRES reviewed the Appraisal for completeness and conformance to industry standards, including requirements set forth in Title XI of FIRREA. The review included both data and description information provided by the appraiser. Review items included: (i) property address and borrower information matches the mortgage note and other critical origination documents, (ii) neighborhood characteristics and housing trends were acceptable and met applicable underwriting guidelines, (iii) site information for zoning compliance and possible adverse site notations reviewed for adverse conditions, FEMA Flood Zone designation matched the Flood Certification, (iv) property type and property description information met applicable underwriting guidelines, (v) comparable sales (sale dates, distance, gross and net adjustments, square footage, and value) met industry standards and were properly bracketed, (vi) comparable size, style, and location were similar to the subject address, (vii) condition of the property was average or better and notable repairs were addressed, (viii) appraisal was made on an "as is" basis or proper evidence of completion was obtained and clearly documented and addressed all "subject to" conditions noted, (ix) subject and comparable photos reviewed to ensure appraisal description information coincides with property pictures and that no visible adverse issues are present that the appraiser did not address, (x) appraisal was completed by a licensed appraiser and (xi) appraisal was completed within the required timing requirements, as disclosed in the applicable underwriting guidelines.

A Fannie Mae UCDP Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less or a secondary enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from an approved AMC was required on all first lien transactions. In lieu of an enhanced desk review product, a field review or second appraisal from an approved AMC is acceptable. If the Appraisal Review Product value is more than 10% below the appraised value, a second field review or appraisal was required. In certain cases, sellers may include an enhanced desk review product from an approved AMC. All desk review documentation provided by an approved AMC vendor was recorded by CRES, as an acceptable valuation support option as long as valuations were obtained in accordance with guidelines and through notable AMC vendors. Any first lien loans that did not maintain an enhanced desk review or did not meet the Client's vendor requirements were conditioned and communicated with the Client.

This pool contains closed end second liens. Secondary valuations were not required by the guidelines on second liens; however, if an AVM or other secondary valuation was in file, that valuation product was documented and reported.

If material origination valuation discrepancies could not be resolved an exception was created and the applicable NRSROs valuation grade was recorded.

**Compliance Review Methodology**

CRES reviews on consumer loans included comprehensive audit of fees and disclosed federal, state, municipal requirements along with timing of delivery requirements for TRID related Loan Estimates (LE's) and the Initial Closing Disclosure (CD's). The reviews track delivery and receipt requirements for all LE's and CD's, tracks fee changes and changed circumstances affecting fees, provides a fee tolerance comparison across all LE's and CD's.

In addition to the TRID specific items, the loans were also subject to the following Pre-TRID and Post- TRID compliance testing. Note that certain loans may be classified as "business purpose". In such cases certain compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

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

State and Federal High Cost and Higher Priced:

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

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

CRES 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, CRES's audit law firm determined that only principal residences should be tested for IL high cost.

*CRES utilizes a third-party compliance company's software for certain compliance tests. The following Pre-TRID, TRID, Qualified Mortgage (QM), and High Costs related test were completed within the third-party compliance software for Consumer Loans:*

Qualified Mortgage (12 CFR § 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Negative Amortization Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Interest Only Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Balloon Payment Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan Term test.

&nbsp;&nbsp;&nbsp;&nbsp;(V) Points and Fees test.

&nbsp;&nbsp;&nbsp;&nbsp;(VI) The Qualified Mortgage DTI Threshold test.

Federal High-Cost Mortgage (HOEPA - Amended) (12 CFR §1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;(I) APR threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Points and fees threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Prepayment penalty threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;(IV) Is Not a High-Costs Mortgage.

Federal Higher-Priced Mortgage Loan (2013 Provisions) (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Higher-Priced Mortgage Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Higher-priced mortgage loan required escrow account test.

Federal TILA (12 CFR §1026.15, 18, 22, 23 and 36)

&nbsp;&nbsp;&nbsp;&nbsp;(I) TILA finance charge test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) TILA APR test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Dual Broker Compensation test.

&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan originator credits test.

&nbsp;&nbsp;&nbsp;&nbsp;(V) TILA Financing of Single Premium Credit Insurance test.

&nbsp;&nbsp;&nbsp;&nbsp;(VI) TILA Right of Rescission Test:

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial loan estimate delivery date test (from application).

&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial loan estimate delivery date test (prior to consummation).

&nbsp;&nbsp;&nbsp;&nbsp;(III) Written list of service provider's disclosure date test.

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Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Revised loan estimate delivery date test (prior to consummation).

Revised Loan Estimate Timing & Changed Circumstances Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised loan estimate delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised loan estimate lender credits test.

Initial Closing Disclosure Timing Requirements

&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial closing disclosure delivery date test. (12 CFR §1026.19).

Initial Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Initial closing disclosure lender credits test.

Revised Closing Disclosure Timing Requirements (12 CFR §1026.19 and 22)

&nbsp;&nbsp;&nbsp;&nbsp;(I) APR Tolerance Test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised Closing Disclosure Waiting Period Required test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date test.

Revised Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date and date the rate was set test.

&nbsp;&nbsp;&nbsp;&nbsp;(IV) Revised closing disclosure lender credits test.

Integrated Disclosures Tolerance & Reimbursement Provisions (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Charges that cannot increase test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Lender credits that cannot decrease test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) Charges that in total cannot increase more than 10% test.

&nbsp;&nbsp;&nbsp;&nbsp;(IV) Charges that can have an unlimited increase test.

Federal RESPA (12 CFR §§1024.8, 1024.20, 1026.33)

&nbsp;&nbsp;&nbsp;&nbsp;(I) Homeownership counseling organizations disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;(II) Good Faith Estimate disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;(III) RESPA "Your Credit or Charge" (802) Disallowed Credit and Charge test.

In addition to the checks disclosed above, various state license-based consumer lending and licensing laws and regulations tests were also completed using the third-party compliance software.

On applicable loans ("Covered Loans' with an Application Dates => 10/3/2015), SFIG RMBS 4.0 TRID Compliance Review Scope was used to test compliance with TILA/RESPA Integrated Disclosure rules.

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

CRES reviews all loan transactions that are covered by the Ability to Repay rule as set forth in Regulation Z- Truth in Lending Act (TILA) to determine whether the lender considered and evaluated the eight underwriting factors. The eight factors reviewed are: (i) Current or reasonably expected income or assets (other than the value of the property that secures the loan) that the consumer will rely on to repay the loan,

(ii) Current employment status (if you rely on employment income when assessing the consumer's ability to repay), (iii) Projected monthly mortgage payment for this loan (calculated using the introductory or fully- indexed rate, whichever is higher, and monthly, fully-amortizing payments that are substantially equal),

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(iv) Projected monthly payment on any simultaneous loans secured by the same property, (v) Monthly payments for property taxes and insurance that you require the consumer to buy, and certain other costs related to the property such as homeowners association fees or ground rent, (vi) Debts, alimony, and child- support obligations, (vii) Monthly debt-to-income ratio or residual income, calculated using the total of all of the mortgage and non-mortgage obligations listed above, as a ratio of gross monthly income, and (viii) Credit history.

*<u>Qualified Mortgage</u>*

When applicable, CRES assessed the borrower(s)' QM classification and re-assigns a due diligence reviewed QM or Non-QM type for each loan. Loans are classified into one of the following categories:

(i) QM: Safe Harbor: Loans that meet the rule's definition of a QM and are eligible for safe harbor protection under the original QM definition, (ii) QM: Safe Harbor (APOR): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection under the new General QM definition (iii) QM: GSE Temporary (safe harbor) – Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM safe harbor definition, (iv) QM: Rebuttable Presumption: Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection under the original QM definition, (v) QM: Rebuttable Presumption (APOR): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection under the new General QM definition, (vi) QM: GSE Temporary (rebuttable presumption) - Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM rebuttable presumption definition (vii) Non-QM: Compliant with ATR: Loans that do not meet the QM definition but fully comply with the ATR rule, (viii) Non-QM: Non-Compliant: Loans that do not meet the QM definition and do not comply with the ATR rule, and (ix) Not Covered/Exempt: Loans that are not covered by the rule.

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review.

*The table below contains the TRID eligible breakdown for the loan population:*

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | &nbsp;&nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9 | &nbsp;&nbsp;&nbsp;52.94% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8 | &nbsp;&nbsp;&nbsp;47.06% |

---

**Document Review**

CRES 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;· Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset documentation.

&nbsp;&nbsp;&nbsp;&nbsp;· Business Purpose Certification (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;· Changed circumstance documentation.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit report.

&nbsp;&nbsp;&nbsp;&nbsp;· FACTA disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;· Final 1003.

&nbsp;&nbsp;&nbsp;&nbsp;· Final HUD-1/Closing Disclosure(s).

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&nbsp;&nbsp;&nbsp;&nbsp;· Hazard and/or flood insurance policies.

&nbsp;&nbsp;&nbsp;&nbsp;· HUD from sale of previous residence.

&nbsp;&nbsp;&nbsp;&nbsp;· Homeownership counseling organizations disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· Income and employment documentation.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial and final GFE's.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial application (1003).

&nbsp;&nbsp;&nbsp;&nbsp;· Initial escrow disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial TIL.

&nbsp;&nbsp;&nbsp;&nbsp;· Leases

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate(s).

&nbsp;&nbsp;&nbsp;&nbsp;· Market Rent supporting documentation

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Insurance.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Note.

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Special Flood Hazards.

&nbsp;&nbsp;&nbsp;&nbsp;· Sales contract.

&nbsp;&nbsp;&nbsp;&nbsp;· Tangible Net Benefit Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· Title/Preliminary Title.

&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;**(6)** Tape Data Compare

CRES compared data fields on the data tape provided by the Client to the data points disclosed on the actual mortgage loan file documents, as captured by CRES. When data was available, the following data elements were compared:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Type | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;QM Type |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;P&I Payment |  |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;LTV | &nbsp;&nbsp;Property City | |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State | |

---

The seller provided CRES with loan level data regarding the mortgage loans for the data integrity check. CRES received the data directly from the seller through a loan registrations system or via a data tape.

Of the 17 mortgage loans reviewed, nine unique mortgage loans had at least one tape discrepancy across 21 data fields (one mortgage loan had more than one data discrepancy). The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp; **Total** |
| &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;13 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;15 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**Doc Level** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**DSCR\*** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;14 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**FICO** | &nbsp;&nbsp;16 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**Loan Term** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;15 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**Note Date\*** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;16 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**P&I Payment** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**Property City** | &nbsp;&nbsp;16 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**Property Zip** | &nbsp;&nbsp;16 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**QM Type\*** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. |
| &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% |

---

DTI variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating incomes. Total Debt Ratio variances that were less than or equal to 3% of the tape value are not included in the data discrepancies reflected.

&nbsp;&nbsp;&nbsp;&nbsp;**(7)** Credit, Compliance and Property Valuation Results

**Credit Results Summary**

Approximately 100.00% of the mortgage loans by number have a Credit grade of "B" or higher and 52.94% of the mortgage loans by number have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9 | 52.94% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8 | 47.06% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17** | **100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of the mortgage loans in the securitization have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17** | **100.00%** |

---

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**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a Valuation grade of "B" or higher and 94.12% of the mortgage loans by number have a Valuation grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16 | 94.12% |
| B | 1 | 5.88% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17** | **100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 47.06% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8 | 47.06% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9 | 52.94% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17** | **100.00%** |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(8)** Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | **Count** | **Percentage** |
| &nbsp;&nbsp;First | 17 | 100.00% |
| &nbsp;&nbsp;Second | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **17** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | **Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | 0 | 0.00% |
| &nbsp;&nbsp;**Fixed** | 17 | 100.00% |
| &nbsp;&nbsp;**Total** | **17** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | **Count** | **Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | 7 | 41.18% |
| &nbsp;&nbsp;**Non-Owner Occupied** | 10 | 58.82% |
| &nbsp;&nbsp;**Second Home** | 0 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | **17** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | **Count** | **Percentage** |
| &nbsp;&nbsp;**Purchase** | 3 | 17.65% |
| &nbsp;&nbsp;**Refi - Cash Out** | 11 | 64.71% |
| &nbsp;&nbsp;**Rate Term Refi** | 3 | 17.65% |
| &nbsp;&nbsp;**Total** | **17** | **100.00%** |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | **Count** | **Percentage** |
| &nbsp;&nbsp;**Single Family** | 8 | 47.06% |
| &nbsp;&nbsp;**2-4 Family** | 3 | 17.65% |
| &nbsp;&nbsp;**PUD** | 4 | 23.53% |
| &nbsp;&nbsp;**Condo** | 2 | 11.76% |
| &nbsp;&nbsp;**Co-op** | 0 | 0.00% |
| &nbsp;&nbsp;**Commercial** | 0 | 0.00% |
| &nbsp;&nbsp;**Townhome** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **17** | **100.00%** |
| &nbsp;&nbsp;**Debt to Income** | **Count** | **Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | 0 | 0.00% |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 2 | 22.22% |
| &nbsp;&nbsp;**30%-39.99%** | 3 | 33.33% |
| &nbsp;&nbsp;**40%-49.99%** | 4 | 44.44% |
| &nbsp;&nbsp;**50%-60.00%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **9** | **100.00%** |
| **Eight loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | **Eight loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | **Eight loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | **Count** | **Percentage** |
| **<0 or** | 0 | 0.00% |
| **0-0.1999** | 0 | 0.00% |
| **0.2-0.3999** | 0 | 0.00% |
| **0.4-0.5999** | 0 | 0.00% |
| **0.6-0.7999** | 0 | 0.00% |
| **0.8-.9999** | 0 | 0.00% |
| **1-1.1999** | 5 | 62.50% |
| **1.2-1.3999** | 3 | 37.50% |
| **1.4-1.5999** | 0 | 0.00% |
| **1.6-1.7999** | 0 | 0.00% |
| **1.8-1.9999** | 0 | 0.00% |
| **=>2** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **8** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | **Count** | **Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-39.99%** | 2 | 11.76% |
| &nbsp;&nbsp;**40%-49.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**50%-59.99%** | 2 | 11.76% |
| &nbsp;&nbsp;**60%-69.99%** | 3 | 17.65% |
| &nbsp;&nbsp;**70%-79.99%** | 7 | 41.18% |
| &nbsp;&nbsp;**80%-89.99%** | 3 | 17.65% |
| &nbsp;&nbsp;**90%-100%** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | **17** | **100.00%** |

---

Page 10 of 11

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | **Count** | **Percentage** |
| AK | 1 | 5.88% |
| CA | 1 | 5.88% |
| FL | 6 | 35.29% |
| HI | 1 | 5.88% |
| NC | 1 | 5.88% |
| NJ | 1 | 5.88% |
| NY | 3 | 17.65% |
| TN | 2 | 11.76% |
| TX | 1 | 5.88% |
| &nbsp;&nbsp;**Total** | **17** | **100.00%** |

---

Page 11 of 11

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Number2** | **Doc Type** | **Property ID** | **Rent On Lease if applicable** | **Rent On Appraisal if applicable** | **Source Lease or Appraisal** | **Used for DSCR** | **DSCR** | **PITI** | **Short Term Rental Flag** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Year Built** | **Square Footage** | **Units** | **Unit 1 of Baths** | **Unit 1 of Beds** | **Unit 2 of Baths** | **Unit 2 of Beds** | **Lease Term** |
| 1052774319 | XXXXXXXXX | DSCR | 1 | XXXXXX | XXXXXX | Appraisal | XXXXXX | 1.0014 | XXXXXX | No | XXXXXXXXX | XXXXXX | TX | XXXXX | XXXX | XXXX | 1 | 3 | 5 |  |  |  |
| 1052829445 | XXXXXXXXX | DSCR | 1 | XXXXXX | XXXXXX | Lease | XXXXXX | 1.0028 | XXXXXX | Yes | XXXXXXXXX | XXXXXX | HI | XXXXX | XXXX | XXXX | 1 | 3 | 5 |  |  | XXXX |
| 1052830468 | XXXXXXXXX | DSCR | 1 | XXXXXX | XXXXXX | Appraisal | XXXXXX | 1.2495 | XXXXXX | No | XXXXXXXXX | XXXXXX | CA | XXXXX | XXXX | XXXX | 1 | 4 | 4 |  |  |  |
| 1052838912 | XXXXXXXXX | DSCR | 1 | XXXXXX | XXXXXX | Appraisal | XXXXXX | 1.0353 | XXXXXX | No | XXXXXXXXX | XXXXXX | FL | XXXXX | XXXX | XXXX | 4 | 2 | 2 | 1 | 2 | XXXX |
| 1052838912 | XXXXXXXXX | DSCR | 2 | XXXXXX | XXXXXX | Lease | XXXXXX |  |  | No | XXXXXXXXX | XXXXXX | FL | XXXXX | XXXX | XXXX | 4 | 2 | 2 | 1 | 2 | XXXX |
| 1052838912 | XXXXXXXXX | DSCR | 3 | XXXXXX | XXXXXX | Lease | XXXXXX |  |  | No | XXXXXXXXX | XXXXXX | FL | XXXXX | XXXX | XXXX | 4 | 2 | 2 | 1 | 2 | XXXX |
| 1052838912 | XXXXXXXXX | DSCR | 4 | XXXXXX | XXXXXX | Appraisal | XXXXXX |  |  | No | XXXXXXXXX | XXXXXX | FL | XXXXX | XXXX | XXXX | 4 | 2 | 2 | 1 | 2 | XXXX |
| 1052867790 | XXXXXXXXX | DSCR | 1 | XXXXXX | XXXXXX | Lease | XXXXXX | 1.1559 | XXXXXX | No | XXXXXXXXX | XXXXXX | NY | XXXXX | XXXX | XXXX | 1 | 2 | 5 |  |  | XXXX |
| 1052871587 | XXXXXXXXX | DSCR | 1 | XXXXXX | XXXXXX | Lease | XXXXXX | 1.0424 | XXXXXX | No | XXXXXXXXX | XXXXXX | FL | XXXXX | XXXX | XXXX | 1 | 2 | 3 |  |  | XXXX |
| 1052883602 | XXXXXXXXX | DSCR | 1 | XXXXXX | XXXXXX | Appraisal | XXXXXX | 1.2469 | XXXXXX | No | XXXXXXXXX | XXXXXX | TN | XXXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 |  |
| 1052883602 | XXXXXXXXX | DSCR | 2 | XXXXXX | XXXXXX | Appraisal | XXXXXX |  |  | No | XXXXXXXXX | XXXXXX | TN | XXXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 |  |
| 1052883602 | XXXXXXXXX | DSCR | 3 | XXXXXX | XXXXXX | Appraisal | XXXXXX |  |  | No | XXXXXXXXX | XXXXXX | TN | XXXXX | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 |  |
| 1052924596 | XXXXXXXXX | DSCR | 1 | XXXXXX | XXXXXX | Lease | XXXXXX | 1.3886 | XXXXXX | No | XXXXXXXXX | XXXXXX | FL | XXXXX | XXXX | XXXX | 1 | 2 | 3 |  |  | XXXX |

---

**Rating Agency Grades: 5/20/2025**

---

| | | |
|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| 1052774319 | XXXXXXXX | XXXXXXXX C A B |
| 1052781482 | XXXXXXXX | XXXXXXXX D A B |
| 1052818209 | XXXXXXXX | XXXXXXXX C A |
| 1052818296 | XXXXXXXX | XXXXXXXX C A B |
| 1052829445 | XXXXXXXX | XXXXXXXX C A |
| 1052830468 | XXXXXXXX | XXXXXXXX C A D B |
| 1052832262 | XXXXXXXX | XXXXXXXX C A B |
| 1052838912 | XXXXXXXX | XXXXXXXX C A D |
| 1052853417 | XXXXXXXX | XXXXXXXX C A D B |
| 1052867790 | XXXXXXXX | XXXXXXXX A |
| 1052871522 | XXXXXXXX | XXXXXXXX C A |
| 1052871587 | XXXXXXXX | XXXXXXXX C A B |
| 1052877561 | XXXXXXXX | XXXXXXXX C A |
| 1052877672 | XXXXXXXX | XXXXXXXX C A B |
| 1052883602 | XXXXXXXX | XXXXXXXX C A |
| 1052902057 | XXXXXXXX | XXXXXXXX A |
| 1052924596 | XXXXXXXX | XXXXXXXX C A B |

---

**ValuationReport**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **Company** | **CU Date** |
| 1052774319 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 59.20% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| 1052781482 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 35.00% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Fannie Mae | XX/XX/XXXX |
| 1052818209 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 65.00% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| 1052818296 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 70.97% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| 1052829445 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 58.50% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Fannie Mae | XX/XX/XXXX |
| 1052830468 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 65.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 4.5 | Fannie Mae | XX/XX/XXXX |
| 1052832262 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.1 | Fannie Mae | XX/XX/XXXX |
| 1052838912 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| 1052853417 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 71.52% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.7 | Freddie Mac | XX/XX/XXXX |
| 1052867790 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 65.22% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.7 | Fannie Mae | XX/XX/XXXX |
| 1052871522 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 75.00% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | Stewart Valuation | XX/XX/XXXX |  |  |  |  |  | 3.2 | Fannie Mae | XX/XX/XXXX |
| 1052871587 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| 1052877561 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 79.81% | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Fannie Mae | XX/XX/XXXX |
| 1052877672 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Fannie Mae | XX/XX/XXXX |
| 1052883602 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| 1052902057 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 80.00% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Fannie Mae | XX/XX/XXXX |
| 1052924596 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 30.93% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |

---

**Rating Agency Exceptions Report: 5/20/2025**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| 1052774319 | XXXXXXXXX | TX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0014 | 662 | 59.20% | XXXXXXXXX | 287137 | Credit | Credit | According to the guidelines, each borrower must have XXXX tradelines or joint borrowers must have a total of XXXX tradelines combined, rated at least XXXX months, with activity in the last XXXX months. No authorized user accounts may be used to satisfy minimum tradelines. | Exception for tradeline requirement approved by XXXX and in file. | Months Of Reserves - XXXX, LTV - 59.20% | Client Accepted B | 2 |
| 1052774319 | XXXXXXXXX | TX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0014 | 662 | 59.20% | XXXXXXXXX | 287138 | Credit | Rental Income | A copy of the current lease agreement/ current monthly rent is missing from the loan file. Final DTI pending. | 9/25/2024: Document provided to cure. |  | Cleared Exception B | 1 |
| 1052774319 | XXXXXXXXX | TX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0014 | 662 | 59.20% | XXXXXXXXX | 287152 | Credit | 1008 | Form 1008 document is not included in the loan file for a manually underwritten loan. | 09/04/24: Documentation provided to cure. |  | Cleared Exception B | 1 |
| 1052774319 | XXXXXXXXX | TX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0014 | 662 | 59.20% | XXXXXXXXX | 287153 | Credit | Borrower Eligibilty | Loan closed in the name of a corporation, XXXX; however, the business documents- Articles of Organization, Operating Agreement, EIN are missing from the loan file. | 09/04/24: Documentation provided to cure. |  | Cleared Exception B | 1 |
| 1052774319 | XXXXXXXXX | TX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0014 | 662 | 59.20% | XXXXXXXXX | 287154 | Credit | Program Eligibilty | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 09/04/24: Documentation provided to cure. |  | Cleared Exception B | 1 |
| 1052774319 | XXXXXXXXX | TX | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.0014 | 662 | 59.20% | XXXXXXXXX | 287155 | Credit | VOM | A XXXX month housing history is required. No open and active mortgages reporting on initial credit or free and clear properties require pre-approval. | XXXX verified via email that a pre-approval was provided for the housing history. |  | Cleared Exception B | 1 |
| 1052781482 | XXXXXXXXX | TN | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 44.49 |  | 683 | 35.00% | XXXXXXXXX | 288259 | Credit | Hazard Insurance | Proof of hazard insurance with evidence of XXXX months rent loss coverage is missing from the loan file. | 1/14/25 - document provided to clear. |  | Cleared Exception D B | 2 |
| 1052781482 | XXXXXXXXX | TN | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 44.49 |  | 683 | 35.00% | XXXXXXXXX | 288260 | Credit | Income | Borrower has excessive XXXX in business bank account. | Exception for excessive XXXX approved by XXXX and in file. | Months Of Reserves - XXXX | Client Accepted D B | 2 |
| 1052818209 | XXXXXXXXX | NY | Rate Term Refi | Owner Occupied | Condo Attached | 42.4 |  | 752 | 65.00% | XXXXXXXXX | 298377 | Compliance | Other | This loan failed the charges that cannot increase test. Discount Points was added on Initial CD XXXX for $XXXX, however the final CD XXXX reflects the comparable fee as $XXXX for an increase of $XXXX. A change of circumstance for the increased fee was not included in the loan file. | 1/24/25 - document provided to cure. |  | Cleared Exception A | 1 |
| 1052818296 | XXXXXXXXX | NJ | Rate Term Refi | Owner Occupied | Two-Unit Property | 27.13 |  | 795 | 70.97% | XXXXXXXXX | 293387 | Compliance | Other | The Initial Loan Estimate and Revised LE XXXX, per the COC, are missing from the loan file. | 11/10/2024: Document provided to cure. |  | Cleared Exception B | 1 |
| 1052818296 | XXXXXXXXX | NJ | Rate Term Refi | Owner Occupied | Two-Unit Property | 27.13 |  | 795 | 70.97% | XXXXXXXXX | 293388 | Credit | Program Eligibilty | Borrower has XXXX in business account in the past XXXX months. | Exception for XXXX approved by XXXX and in file. | Months Of Reserves - XXXX, Credit Score - 795 | Client Accepted B | 2 |
| 1052818296 | XXXXXXXXX | NJ | Rate Term Refi | Owner Occupied | Two-Unit Property | 27.13 |  | 795 | 70.97% | XXXXXXXXX | 293389 | Credit | Program Eligibilty | Borrower changed business in past XXXX months. Same line of work. | Exception for use of income for business operating 6 months approved by XXXX and in file. | Months Of Reserves - XXXX, Credit Score - 795 | Client Accepted B | 2 |
| 1052818296 | XXXXXXXXX | NJ | Rate Term Refi | Owner Occupied | Two-Unit Property | 27.13 |  | 795 | 70.97% | XXXXXXXXX | 293390 | Credit | Divorce Decree / Settlement Agreement | Borrower was XXXX in XXXX with no XXXX agreement. | Exception for no separation agreement/ divorce decree approved by XXXX and in file. | Months Of Reserves - XXXX, Credit Score - 795 | Client Accepted B | 2 |
| 1052829445 | XXXXXXXXX | HI | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0028 | 749 | 58.50% | XXXXXXXXX | 294630 | Credit | Program Eligibilty | Per guidelines any loan proceeds used to pay off personal debt creates a consumer transaction. Borrower paid off tax lien in favor of the State of XXXX which is a personal debt. | 12/17/2024: The tax liens were against the subject property and required to be paid. Still considered a business purpose. |  | Cleared Exception A | 1 |
| 1052830468 | XXXXXXXXX | CA | Rate Term Refi | Non-Owner Occupied | PUD | 0 | 1.2495 | 759 | 65.00% | XXXXXXXXX | 293442 | Credit | Debt Service Coverage Ratio | Per guidelines refinance transactions require a XXXX agreement. Subject is XXXX and using XXXX to qualify. | Exception for vacant property using market rent to qualify approved by XXXX and in file. | Months Of Reserves - XXXX, Credit Score - 759, LTV - 65% | Client Accepted D B | 2 |
| 1052830468 | XXXXXXXXX | CA | Rate Term Refi | Non-Owner Occupied | PUD | 0 | 1.2495 | 759 | 65.00% | XXXXXXXXX | 293443 | Credit | Eligibilty | Per guidelines the maximum bedroom count is XXXX; primary house has XXXX bedroom and XXXX has XXXX for a total of XXXX bedrooms. | Exception for exceeding maximum bedroom count approved by XXXX and in file. | Months Of Reserves - XXXX, Credit Score - 759, LTV - 65% | Client Accepted D B | 2 |
| 1052830468 | XXXXXXXXX | CA | Rate Term Refi | Non-Owner Occupied | PUD | 0 | 1.2495 | 759 | 65.00% | XXXXXXXXX | 293464 | Property | Appraisal | FNMA CU score is 4.5; a third party appraisal review from an XXXX approved vendor is missing from the loan file. | 11/12/24: Documentation provided to cure. |  | Cleared Exception D B | 1 |
| 1052832262 | XXXXXXXXX | NY | Purchase | Owner Occupied | Single Family Detached | 27.3 |  | 686 | 80.00% | XXXXXXXXX | 293364 | Credit | Credit | According to the underwriting guidelines, Non-Sufficient Funds (XXXX), A maximum of three (XXXX) instances are allowed with twelve (XXXX) months of statements. In this case, the borrower has XXXX over the past XXXX months. | Exception for excessive XXXX approved by XXXX and in file. | DTI - 27.30%, Months Of Reserves - XXXX | Client Accepted B | 2 |
| 1052838912 | XXXXXXXXX | FL | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.0353 | 729 | 75.00% | XXXXXXXXX | 297390 | Property | Appraisal | The Appraisal Report and Rent Schedule are missing from the loan file. | 1/24/25 - documents provided to cure. |  | Cleared Exception D A | 1 |
| 1052838912 | XXXXXXXXX | FL | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.0353 | 729 | 75.00% | XXXXXXXXX | 297391 | Credit | Flood Certificate | The Flood Certificate is missing from the loan file. | 1/24/25 - document provided to cure. |  | Cleared Exception D A | 1 |
| 1052838912 | XXXXXXXXX | FL | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.0353 | 729 | 75.00% | XXXXXXXXX | 297392 | Credit | Credit | Lease agreements for all XXXX units of the subject property are missing from the loan file. | 1/24/2025 - document provided to clear. |  | Cleared Exception D A | 1 |
| 1052838912 | XXXXXXXXX | FL | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.0353 | 729 | 75.00% | XXXXXXXXX | 297395 | Credit | VOM | A XXXX month housing history is required. No open and active mortgages reporting on initial credit or free and clear properties require pre-approval. Borrower only has 1 mortgage reporting on initial credit for 8 months. | 1/24/2025 - document provided to cure. |  | Cleared Exception D A | 1 |
| 1052838912 | XXXXXXXXX | FL | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.0353 | 729 | 75.00% | XXXXXXXXX | 297396 | Property | Appraisal | The FNMA SSR Report is missing from the loan file. If the CU score is > 2.5 a third party review from an XXXX approved vendor is missing from the loan file. | 1/24/25 - document provided to cure. |  | Cleared Exception D A | 1 |
| 1052838912 | XXXXXXXXX | FL | Refi - Cash Out | Non-Owner Occupied | Four-Unit Property | 0 | 1.0353 | 729 | 75.00% | XXXXXXXXX | 297397 | Credit | Debt Service Coverage Ratio | Audit is unable to calculate the DSCR due to missing documentation in the file. Additional exceptions may apply upon review. | 1/24/25 - audit calculated and uploaded new DTI WS. |  | Cleared Exception D A | 1 |
| 1052853417 | XXXXXXXXX | AK | Refi - Cash Out | Owner Occupied | Single Family Detached | 39.89 |  | 721 | 71.52% | XXXXXXXXX | 297289 | Credit | Doc Type | The Final Amortization Schedule is missing from the loan file. | 1/8/2025: Document provided to cure.  |  | Cleared Exception D B | 1 |
| 1052853417 | XXXXXXXXX | AK | Refi - Cash Out | Owner Occupied | Single Family Detached | 39.89 |  | 721 | 71.52% | XXXXXXXXX | 297323 | Credit | VOM | A XXXX month housing history is required. No open and active mortgages reporting on initial credit or free and clear properties require pre-approval. | 1/8/2025: Document provided to cure.  |  | Cleared Exception D B | 1 |
| 1052853417 | XXXXXXXXX | AK | Refi - Cash Out | Owner Occupied | Single Family Detached | 39.89 |  | 721 | 71.52% | XXXXXXXXX | 297324 | Property | Appraisal | Subject property is a XXXX which is an ineligible property type. | Exception for XXXX approved by XXXX and in file. | LTV - 71.52%, Months Of Reserves - XXXX | Client Accepted D B | 2 |
| 1052871522 | XXXXXXXXX | FL | Refi - Cash Out | Owner Occupied | Single Family Detached | 37.1 |  | 691 | 75.00% | XXXXXXXXX | 298347 | Credit | Borrower Eligibilty | No open and active mortgages reporting on initial credit or free and clear properties will require pre-approval. | 01/21/25: A pre-approval was provided for the housing history. |  | Cleared Exception A | 1 |
| 1052871522 | XXXXXXXXX | FL | Refi - Cash Out | Owner Occupied | Single Family Detached | 37.1 |  | 691 | 75.00% | XXXXXXXXX | 298371 | Compliance | Other | This loan failed the charges that cannot increase test. The Initial LE reflects the Appraisal Fee as $XXXX; however, the final CD reflects the comparable fee as $XXXX for an increase of $XXXX. A change of circumstance for the increased fee was not included in the loan file. | 1/23/2025 - Please provide the COC and updated LE that was sent to the borrower.<br> 1/28/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| 1052871587 | XXXXXXXXX | FL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0424 | 667 | 70.00% | XXXXXXXXX | 299085 | Credit | Title Policy | The Title Policy amount of $XXXX is less than the loan amount of $XXXX. | 2/10/2025 - document provided to cure. |  | Cleared Exception B | 2 |
| 1052877561 | XXXXXXXXX | NC | Purchase | Non-Owner Occupied | Single Family Detached | 43.25 |  | 689 | 79.81% | XXXXXXXXX | 298063 | Credit | Initial 1003 | Provide the executed initial 1003 for the loan file. | Invalid exception |  | Cleared Exception A | 1 |
| 1052877672 | XXXXXXXXX | FL | Purchase | Owner Occupied | PUD | 31.78 |  | 683 | 80.00% | XXXXXXXXX | 298474 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 1/29/25 - document provided to cure |  | Cleared Exception B | 1 |
| 1052877672 | XXXXXXXXX | FL | Purchase | Owner Occupied | PUD | 31.78 |  | 683 | 80.00% | XXXXXXXXX | 298505 | Credit | Program Eligibilty | Per guidelines borrowers with no investment properties retaining their departing residence as a rental require preapproval. | 1/29/25 - exception requested<br> 2/6/2025: XXXX approved the exception with sufficient compensating factors. | DTI - 31.78%, Months Of Reserves - XXXX | Client Accepted B | 2 |
| 1052883602 | XXXXXXXXX | TN | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.2469 | 771 | 70.00% | XXXXXXXXX | 299358 | Credit | Property Type - Eligibility | Per XXXX matrix, minimum square footage required is XXXX sq ft. per unit. XXXX of the XXXX units of subject are < XXXX sq ft. | 2/18/2025: XXXX has denied the exception for the square footage. <br> 2/20: Ok per XXXX as not in XXXX guides. |  | Cleared Exception A | 1 |
| 1052924596 | XXXXXXXXX | FL | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 0 | 1.3886 | 685 | 30.93% | XXXXXXXXX | 300181 | Credit | Condo/PUD | Subject is a XXXX unit XXXX condo with no master insurance policy, HOA was dissolved. | Exception forXXXX with no master insurance policy approved by XXXX and in file. | LTV - 30.93%, Months Of Reserves - XXXX | Client Accepted B | 2 |
| **15** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1052867790 | XXXXXXXXX | NY | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.1559 | 751 | 65.22% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| 1052902057 | XXXXXXXXX | FL | Refi - Cash Out | Owner Occupied | PUD | 49.73 |  | 705 | 80.00% | XXXXXXXXX |  |  |  |  |  |  | A |  |
| **2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

![](tm2517341d1_ex99-7img002.jpg)

**ATR QM Data Fields**

Loans in Report: 17

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| 1052774319 | XXXXXXXXXX | Not covered/exempt | No | No |
| 1052781482 | XXXXXXXXXX | Non-QM: Compliant with ATR | No | Yes |
| 1052818209 | XXXXXXXXXX | Non-QM: Compliant with ATR | No | Yes |
| 1052818296 | XXXXXXXXXX | Non-QM: Compliant with ATR | No | Yes |
| 1052829445 | XXXXXXXXXX | Not covered/exempt | No | No |
| 1052830468 | XXXXXXXXXX | Not covered/exempt | No | No |
| 1052832262 | XXXXXXXXXX | Non-QM: Compliant with ATR | No | Yes |
| 1052838912 | XXXXXXXXXX | Not covered/exempt | No | No |
| 1052853417 | XXXXXXXXXX | Non-QM: Compliant with ATR | No | Yes |
| 1052867790 | XXXXXXXXXX | Not covered/exempt | No | No |
| 1052871522 | XXXXXXXXXX | Non-QM: Compliant with ATR | No | Yes |
| 1052871587 | XXXXXXXXXX | Not covered/exempt | No | No |
| 1052877561 | XXXXXXXXXX | Not covered/exempt | No | No |
| 1052877672 | XXXXXXXXXX | Non-QM: Compliant with ATR | No | Yes |
| 1052883602 | XXXXXXXXXX | Not covered/exempt | No | No |
| 1052902057 | XXXXXXXXXX | Non-QM: Compliant with ATR | No | Yes |
| 1052924596 | XXXXXXXXXX | Not covered/exempt | No | No |
| **17** |  |  |  |  |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| 1052853417 | XXXXXXXX | 47.8 | 39.89 | DTI | -7.91 | Yes |
| 1052877672 | XXXXXXXX | 15.147 | 31.78 | DTI | 16.633 | Yes |
| 1052832262 | XXXXXXXX | 13.35 | 27.3 | DTI | 13.95 | Yes |
| 1052877561 | XXXXXXXX | 78.94 | 79.8148 | LTV | 0.8748 | Yes |
| 1052867790 | XXXXXXXX | 75 | 65.2174 | LTV | -9.7826 | Yes |
| 1052877561 | XXXXXXXX | 78.94 | 79.8148 | CLTV | 0.8748 | Yes |
| 1052867790 | XXXXXXXX | 75 | 65.2174 | CLTV | -9.7826 | Yes |
| 1052818209 | XXXXXXXX | XXXXXXXX | XXXXXXXX | Original Balance | XXXXXXXX | Yes |
| 1052830468 | XXXXXXXX | XXXXXXXX | XXXXXXXX | Appraised Value | XXXXXXXX | Yes |
| 1052877561 | XXXXXXXX | XXXXXXXX | XXXXXXXX | Appraised Value | XXXXXXXX | Yes |
| 1052867790 | XXXXXXXX | XXXXXXXX | XXXXXXXX | Appraised Value | XXXXXXXX | Yes |
| 1052877672 | XXXXXXXX | XXXXXXXX | XXXXXXXX | Appraised Value | XXXXXXXX | Yes |
| 1052838912 | XXXXXXXX | 738 | 729 | FICO | -9 | Yes |
| 1052883602 | XXXXXXXX | XXXXXXXX | XXXXXXXX | Property City | Yes | Yes |
| 1052853417 | XXXXXXXX | XXXXXXXX | XXXXXXXX | Property Zip | Yes | Yes |

---

## Exhibit 99.8

**Exhibit 99.8**

![](tm2517341d1_ex99-8img001.jpg)

**NARRATIVE**

**SAN 2025-NQM3**

**By Canopy Financial Technology Partners LLC on June 3, 2025**

Canopy Financial Technology Partners LLC

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

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

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

![](tm2517341d1_ex99-8img001.jpg)

**Description of Services**

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

The Review consisted of a population of seven (7) Loans with an aggregate principal balance of $2,686,411.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); S&P Global Ratings.

**Data Integrity**

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

---

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

---

<u>Initial Monthly P&I Or IO Payment</u> <u>No tolerance</u>

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

![](tm2517341d1_ex99-8img001.jpg)

---

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

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI;

· DSCR;

· Gross Income;

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

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

![](tm2517341d1_ex99-8img001.jpg)

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

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

![](tm2517341d1_ex99-8img001.jpg)

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

· Borrower identity:

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

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

· Employment:

· Licensing – reviewed NMLS data for:

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

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

· Occupancy:

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

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

· OFAC.

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

![](tm2517341d1_ex99-8img001.jpg)

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

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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

![](tm2517341d1_ex99-8img001.jpg)

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

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

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

**Compliance Review**

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

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

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

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

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

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![](tm2517341d1_ex99-8img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

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

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

**Ability to Repay (ATR)**

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

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

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

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**VALUATION REVIEW**

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

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

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

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

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

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

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

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

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---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grade** | &nbsp;&nbsp;**Valuation Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |

---

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---

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

---

 **FINDINGS SUMMARY**

&nbsp;&nbsp;**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 85.71% (6 loans) have an overall grade of "A" and 14.29% (1 loan) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 85.71%, (6 loans) of mortgage loans reviewed, and 14.29% (1 loan) has a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (7 loans) of mortgage loans reviewed, and 0.00% (0 loans) has a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, (7 loans) of mortgage loans reviewed, and 0.00% (0 loans) has a Property/Valuation grade of "B".

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 **FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2686411.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2686411.00** |

---

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2686411.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2686411.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Limited Cash-Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;$397800.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;$1246500.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;$1042111.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2686411.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2686411.00 |
| &nbsp;&nbsp;361 - 420 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2686411.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;1 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$1246500.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;5 | &nbsp;&nbsp;83.33% | &nbsp;&nbsp;$1439911.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2686411.00** |

---

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

![](tm2517341d1_ex99-8img001.jpg)

 **DATA COMPARISON RESULTS**

Of the seven (7) mortgage loan files reviewed, zero (0) unique loans (0.00% by number) had zero (0) tape comparison discrepancies across all data fields.

**Disclaimer**

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

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

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

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

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

 

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

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** |
| 3412570 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 1 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.86% | 36.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 90 | N/A |
| 3373561 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 1 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.772 | 0.772 |  | Borrower - N/A | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 3436839 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 1 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.816 | 0.816 | N/A | Borrower - N/A | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Foreign National | Foreign National | N/A | Missing |  |  | Colombia |  |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 3346913 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 1 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.816 | 0.816 |  | Borrower - N/A | Borrower | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | Colombia | xxx |  |  | N/A |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 3426030 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 1 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | Appendix Q Documentation |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.187 | 1.187 | N/A | Borrower - N/A | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60 | N/A |
| 3355118 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 1 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.237 | 1.237 |  | Borrower - N/A \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 21.56 | N/A |
| 3340076 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 1 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.79% | 48.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 | 0 | 1 Month NA | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 0 | 1 | 2 NA | No | No | 0 | No | Yes | Yes | 1 | 13 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | Third-Party Prepared (Unaudited) | 6 | Tax Preparer | N/A | N/A | 0 | Yes | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, Business Bank Statements Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 90 | N/A |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 3373561 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 129.53 | 0.772 | 0.772 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | No | 0.0 | 1 | 1 | N/A | xxx | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 3436839 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 122.49 | 0.816 | 0.816 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | xxx | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 3346913 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 122.49 | 0.816 | 0.816 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0.0 |  | 1 | N/A | xxx | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 3426030 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 84.25 | 1.187 | 1.187 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 1.7 | 1 | 1 | N/A | xxx | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 3355118 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 | xxx | Other |  |  | xxx | Appraisal - 1007 | Yes | 80.84 | 1.237 | 1.237 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 2.9 | 1 | 1 | N/A | xxx | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 3412570 |  | D A | Closed | FCRE1469 | 2024-06-09 10:24 | 2024-06-25 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-06/25/2024 <br> Ready for Review-Document Uploaded. - Seller-06/24/2024 <br> Counter-Gift Funds letter provided however exception is requesting xxx Acct #xxx listed on Final 1003. Please provide. - Due Diligence Vendor-06/20/2024 <br> Ready for Review-Document Uploaded. - Seller-06/19/2024 <br> Open-Asset 3 Missing Provide xxx Acct #xxx as it was not provided at the time of review as required. - Due Diligence Vendor-06/09/2024 | Ready for Review-Document Uploaded. - Seller-06/24/2024 <br>Ready for Review-Document Uploaded. - Seller-06/19/2024<br>| Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-06/25/2024<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 3412570 |  | D A | Closed | FCRE1198 | 2024-06-09 10:29 | 2024-06-20 10:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-06/20/2024 <br> Ready for Review-Document Uploaded. - Seller-06/19/2024 <br> Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 Loan was submitted with $xxx in assets. Final CD reflects $xxx for $xxx for reserves which is less than required. - Due Diligence Vendor-06/12/2024 | Ready for Review-Document Uploaded. - Seller-06/19/2024<br>| Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-06/20/2024 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 3373561 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 3436839 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 3346913 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 3426030 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 3355118 |  | D B C A | Closed | FVAL9739 | 2024-08-02 11:35 | 2024-08-19 10:59 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Per xxx Guidelines: Maximum deferred maintenance cannot exceed $xxx and No health or safety issues both internal or external. <br> - Due Diligence Vendor-08/19/2024 <br> Ready for Review-Document Uploaded. Appraiser made the report "as is." He noted that the pipe was missing and that the cost to cure was $xxx. There was no indication that this was a safety or health issue, and since it was below our threshold of $xxx, we proceeded with this transaction. Minimal risk at an LTV of 22%. - Seller-08/16/2024 <br> Counter-1007 Provided however exception is requesting documentation that hot water heater was repaired. per Appraiser: Diversion pipe missing on subjects hot water heater. Cost to repair estimated at $xxx. - Due Diligence Vendor-08/12/2024 <br> Ready for Review-Document Uploaded. - Seller-08/12/2024 <br> Open-Appraiser states some repairs needed: Diversion pipe missing on subjects hot water heater. Cost to repair estimated at $xxx. no other repairs needed. Please provide documentation that hot water heater was repaired. - Due Diligence Vendor-08/02/2024 | Ready for Review-Document Uploaded. Appraiser made the report "as is." He noted that the pipe was missing and that the cost to cure was $xxx. There was no indication that this was a safety or health issue, and since it was below our threshold of $xxx, we proceeded with this transaction. Minimal risk at an LTV of 22%. - Seller-08/16/2024 <br> Ready for Review-Document Uploaded. - Seller-08/12/2024 | Resolved-Per xxx Guidelines: Maximum deferred maintenance cannot exceed $xxx and No health or safety issues both internal or external. <br> - Due Diligence Vendor-08/19/2024 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.56% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 21.56% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 3355118 |  | D B C A | Closed | FVAL2477 | 2024-08-01 14:58 | 2024-08-12 13:32 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-1007 Provided. - Due Diligence Vendor-08/12/2024 <br>Ready for Review-Document Uploaded. - Buyer-08/12/2024 <br>Counter-Please provide the Rent schedule (1007) as its missing from the full appraisal. - Due Diligence Vendor-08/02/2024 <br>Ready for Review-Document Uploaded. - Buyer-08/01/2024 <br>Open-Missing form 1007. - Due Diligence Vendor-08/01/2024 |  | Resolved-1007 Provided. - Due Diligence Vendor-08/12/2024<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.56% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 21.56% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 3355118 |  | D B C A | Closed | FCOM1544 | 2024-08-01 08:10 | 2024-08-02 11:40 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Final Settlement statement and PCCD provided. - Due Diligence Vendor-08/02/2024 <br>Ready for Review-Document Uploaded. - Seller-08/01/2024 <br>Open-TRID: Missing Final Closing Disclosure Final closing disclosure is missing - Due Diligence Vendor-08/01/2024 | Ready for Review-Document Uploaded. - Seller-08/01/2024<br>| Resolved-Final Settlement statement and PCCD provided. - Due Diligence Vendor-08/02/2024<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.56% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 21.56% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 3355118 |  | D B C A | Closed | FCRE1836 | 2024-08-01 14:59 | 2024-08-02 11:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | No Exception in file permitting eligibility assessed and established based upon financial condition and real estate background | Waived-Approved Lenders Exception: Exception needed to use market rent for qualifying without prior lease (daughter was residing in home while attending college) - Due Diligence Vendor-08/02/2024 <br>Ready for Review-Document Uploaded. - Buyer-08/01/2024 <br>Open-Missing exception for vacant property with no rental history as per email in file. - Due Diligence Vendor-08/01/2024 |  | Waived-Approved Lenders Exception: Exception needed to use market rent for qualifying without prior lease (daughter was residing in home while attending college) - Due Diligence Vendor-08/02/2024<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.56% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 21.56% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More | LTV: Max 70% - Subject 22%<br> Borrowers have owned property F/C for the last 3 years<br> Near numerous colleges<br> Also owns primary residence F/C | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 3340076 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 3412570 |  |  | xxx D A |
| 3373561 |  |  | xxx A |
| 3436839 |  |  | xxx A |
| 3346913 |  |  | xxx A |
| 3426030 |  |  | xxx A |
| 3355118 |  |  | xxx C D B A |
| 3340076 |  |  | xxx A |

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 3412570 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | xxx | -.0068 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0068 | 96.0 | 0.04 | Clear Capital | ClearAVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |  |
| 3373561 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3436839 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 3346913 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 3426030 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3355118 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 21.56 | 21.56 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3340076 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 3412570 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 3373561 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  | Unknown |  | No |  | Yes | Present |
| 3436839 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 3346913 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 3426030 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 0 |  |  |  | No |  | Yes | Present |
| 3355118 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 3340076 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.9

**Exhibit 99.9**

![](tm2517341d1_ex99-9img01.jpg)

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

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party due diligence provider, performed the review described below on behalf of its client, Santander Bank, N.A. The review included a total of 1 newly originated residential mortgage loan, in connection with the securitization identified as SAN 2025-NQM3 (the "Securitization"). The review began on May 2024 and concluded on June 2024.

**Scope of Review**

**Credit Review**

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

The credit review included the following (collectively, the "Credit Review"):

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Occupancy is supported

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing
against re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank Statements or other Alternate Income documents as required by
the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing
Employment, if applicable

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met guidelines

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, Service Provider reviews the
mortgage loan to determine whether, based on available information in the mortgage loan file,
if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Service Provider reviews the mortgage loan to determine whether, based
on available information in the mortgage loan file, the creditor considered, as applicable,
the following eight underwriting factors, and will verify such information using reasonably
reliable third-party records, at or before consummation:

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual
income," based upon all mortgage and non-mortgage obligations, calculated as a ratio
of gross monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit history and required
credit depth, including any / all inquiries, and Determine a representative credit score
from the credit report

**Property Review**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review will include a review of the valuation materials utilized during
the origination of the loan and in confirming the value of the underlying property. The review
will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the
valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the
lender or a related entity that is permitted to engage the lender per Title XI of FIRREA,
or if the appraisal was performed for another lender, the file contains a transfer letter
from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final
approval of the mortgage loan application; Any revisions, if made known to MaxDiligence,
to the original report are documented and dated completed and dated within the guideline's
restrictions,

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence will access the ASC database to verify that
the appraiser, and if applicable the appraiser's supervisor, were licensed and in good
standing at the time the appraisal was completed.

**Compliance Review**

MaxDiligence performed a "Compliance Review" below, which is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>").

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on on (i) the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. MaxDiligence worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the Initial LE and confirm (i) the
correct form was used; (ii) all sections of the Initial LE are completed; and (iii) the
Initial LE accurately reflects the information provided to Service Provider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a Revised LE, confirm (i) that
there is a "valid reason" for the Revised LE; and (ii) that the Revised
LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine which LE in the file is the "final
binding" LE for the purpose of Tolerance Testing. A Revised LE that is issued after
the CD, or that does not state a valid reason will not be used for the purposes of Tolerance
Testing. All revised LEs issued to the consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm initial LE was delivered within three
(3) Business Days from the application date, and at least seven (7) Business Days
prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm revised LE was delivered within three
(3) Business Days from date of the "valid reason" giving rise to the Revised
LE, and at least four (4) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
that certain sections of each LE determined to carry assignee liability were accurately completed
and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the CD review and confirm (i) the
correct form was used; (ii) all sections of the CD are completed; and (iii) the
CD accurately reflects the information provided to Service Provider.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If a subsequent CD is issued, confirm (i) that
there was a valid reason for the change; (ii) that the CD was issued within three (3) days
of the change; and (iii) whether the reason for the change requires a new 3-day waiting
period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm Initial CD, and any subsequent CD
with material changes (i.e. changes that require a new waiting period), was received at least
three (3) Business Days prior to the consummation date. With respect to applicable exception
remediation measures for numerical exceptions, confirm that a letter of explanation, as well
as a refund as applicable, was delivered or placed in the mail no later than 60 days after
discovery of the exception establishing the need for a revised CD or with respect to exception
remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed
in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"),
as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission
notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission
notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right
of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) Business
Day rescission period; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees
disclosed in the final binding LE to those in the final CD, and confirm that final CD fees
are within the permitted tolerances. Confirm the total of payments are considered accurate
as defined by Regulation Z. Confirm Finance Charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
whether the Loan originator followed the prescribed cure. Test for evidence such as a copy
of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> ") ,
and iii) with respect to applicable exception remediation measures for numerical exceptions,
confirm that a letter of explanation, as well as a refund as applicable, was delivered or
placed in the mail no later than 60 days after discovery of the exception establishing the
need for a revised CD or with respect to exception remediation measures for non-numerical
exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days
after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm Your Home Loan Toolkit was delivered
or placed in the mail not later than three (3) Business Days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements,
limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and
appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans,
the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review relevant document to determine
if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review the presence of the mortgage loan
option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor financed, directly
or indirectly, any premiums or fees for credit insurance in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review for presence of mortgage loan originator
organization and individual mortgage loan originator name and NMLSR ID, as applicable, on
the credit application, note or mortgage loan contract, security instrument, Loan Estimate
and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the data against the NMLSR database,
as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the presence of the Servicing Disclosure
Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the Servicing Disclosure Statement
was provided to the borrower(s) within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the presence of the Your Home
Loan Toolkit/Special Information Booklet in the mortgage loan file or that the mortgage loan
file contains documentary evidence that the disclosure was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm the Your Home Loan Toolkit /Special
Information Booklet was provided within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm the presence of the CHARM booklet
when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm that the CHARM booklet was issued
within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm the presence of the Affiliated
Business Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated
business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm the Affiliated Business Arrangement
Disclosure was provided no later than three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm the Affiliated Business Arrangement
Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm the presence of the Initial Escrow
Disclosure Statement in the mortgage loan file and proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm that the creditor provided the
borrower a list of homeownership counselling organizations within three (3) Business
Days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirm that the list of homeownership
counselling organizations was obtained no earlier than 30 days prior to when the list was
provided to the mortgage loan applicant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>: The Equal Credit Opportunity
Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive
copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal
or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of
each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv) With respect
to a borrower that has waived the three (3) Business Day disclosure requirement, confirm
that (a) the borrower has signed the waiver or other acknowledgment at least three (3) Business
Days prior to consummation; and (b) that the lender has provided copies of appraisals
and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions
of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions
of state, county and municipal laws and ordinances with respect to "high-cost"
mortgage loans, "covered" mortgage loans, "higher-priced" mortgage
loans, "home" mortgage loans or any other similarly designated mortgage loan
as defined under such authorities, or subject to any other laws that were enacted to combat
predatory lending, as may have been amended from time to time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge
and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>. Service Provider will
not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other Post-consummation disclosures, including
Escrow Closing Notice; and Mortgage servicing transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For Loans made by an FDIC-supervised institution
or servicer, extended or renewed on or after January 1, 2016, whether prohibited fees
were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether any fee is a "bona fide"
fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether the loans comply with all federal,
state or local laws, constitutional provisions, regulations or ordinances that are not expressly
enumerated above.

**Data Discrepancy**

As part of the Credit, Valuation and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 1 mortgage loans reviewed, 0 unique mortgage loans (by loan count) had a total of 0 different tape discrepancies across 0 data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

**Summary of Results**

**OVERALL RESULTS SUMMARY**

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;**Event <br> Grade** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**Percent of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Event <br> Grade** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp; **Percent of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Event <br> Grade** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp; **Percent of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Event<br> Grade** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp; **Percent of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Grade of "A", a Compliance Grade of "B", and a Valuation Grade of "A" would receive an overall Loan Grade of "B").

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Exception <br> Type | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Valuation Grade (A) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance (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. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Property Event Grades** | &nbsp;&nbsp;**Property Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXXXX | 400071708 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1710453 | 1 of 3 | 2024-05-20 20:17 | Credit | Third Party Fraud Report not Provided | Missing third party fraud report.  |  | Document Uploaded. - 06/05/2024 | The fraud report has been provided. - 06/05/2024 |  | 2024-06-05 13:46 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 400071708 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1710534 | 2 of 3 | 2024-05-20 20:28 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2024-05-20 20:28 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 400071708 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1722433 | 3 of 3 | 2024-05-22 17:23 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2024-05-22 17:23 | Cleared | 1 | 1 | 3 | 1 |

---

![](tm2517341d1_ex99-9img001.jpg)

Client Santander Bank N.A. <br> Transaction SAN 2025-NQM3 <br> Date 05/19/2025

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| XXXXXX | 400071708 |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXX |  | 400071708 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 69.9 | 69.9 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |

---

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing State** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing State** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** |
| XXXXXX |  | 400071708 | 30 Year Fixed | P&L Only | XXXXXX | No | Loan Eligibiity Guidelines | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | .00 | XXXXXX | 6.950% | Manual Underwriting | Manual Underwriting | No | 9.198% |  | 8.750% | 8.750% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A | XXXXXX |  | $0.00 |  |  | 27.85% | 27.70% | 27.70% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 15 | XXXXXX | N/A | N/A | 0 | Yes | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2022, 2023, 2024 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - 2022, 2023, 2024 \|\| Co Borrower | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other |  | N/A | United States | XXXXXX |  |  | Work Visa |  | XXXXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | XXXXXX | 103 | No | 69.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | XXXXXX | Owner |  |  |  |  |  |  |  | 15 |  |  |  | N/A | N/A |  |  |

---

## Exhibit 99.10

**Exhibit 99.10**

![](tm2517341d1_ex99-10img01.jpg)

**EXECUTIVE SUMMARY**

**SAN 2025-NQM3**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter Diligence"), performed an independent third-party due diligence review of 2 loans acquired by Santander Bank N.A. (the "Client"). The review was performed from July 2024 through August 2024 using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 2 loans for an aggregate original principal balance of $758,500.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp; Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans – U.S. And Canada Supplement, February 21, 2025 |

---

**Data integrity, review scope and methodology**

**Data Integrity –** Incenter Diligence performed a data integrity analysis by comparing the information in the loan file against the data tape supplied by the Client to ascertain accuracy and completeness. All discrepancies are reported on the Data Comparison Report.

Page **1** of **17**

![](tm2517341d1_ex99-10img01.jpg)

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;ARM Interest Data |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Doc Type |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original Loan Term |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Appraised Value |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total DTI |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Subordinate Lien Amount |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

**Underwriting Conformity (<u>Standard Residential Loans</u>)**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the underwriting guidelines provided by the Client (which, for the avoidance of doubt, may be either the Client's or a third party's underwriting guidelines), eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history, income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

Page **2** of **17**

![](tm2517341d1_ex99-10img01.jpg)

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points and fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate that
the appropriate employment and income documentation, such as pay stubs, tax transcripts,
and bank statements, was provided and used to accurately qualify the borrower according to
guidelines. Recalculate the borrower's income and debt to determine the appropriate
debt to income ratio in accordance with the guidelines. Validate borrower's employment
history and confirm that the appropriate income and assets were used to qualify. Make a reasonable
assessment of whether there are any indications that income documentation may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate that
assets used to qualify the borrower match the documentation in the file and the information
used to calculate down payment, closing costs, and reserves meet program guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review exceptions,
compensating factors and underwriter comments, if available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review program
guidelines against the loan approval for discrepancies such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment
requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income
requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset
requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review the
loan approval against all supporting documentation and loan application to verify accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the
initial loan application against the final loan application or other loan applications found
in the file to validate the application was signed and properly completed and to expose discrepancies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Confirm that
credit report(s) and verification of mortgage or rental history, when required, have been
provided for all borrowers/guarantors, are consistent with loan approval, and meet guideline
requirements. Verify whether any fraud alerts are listed on the credit reports and make a
reasonable assessment of whether the borrower's profile adheres to applicable guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review the
loan file for inconsistencies based on information derived from source documentation provided
in the loan file, for the purposes of identifying misrepresentations contained in the loan
file, including with respect to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review source
documents for consistency with regard to subject property occupancy intent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review the
title report for possible judgments and other liens that may have existed upon origination;
verify chain of title, as required by guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify and
validate the file contains sufficient property insurance coverage as required by guidelines;
confirm property insurance policy contains appropriate mortgagee clause. For subject properties
located in a Special Flood Hazard Area where flood insurance is required, verify and validate
the file contains sufficient flood insurance coverage as required by guidelines and that
flood insurance policy contains appropriate mortgagee clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review property
details on appraisal including a review for ineligible properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify that
Business Purpose Affidavit and Occupancy Affidavit, if applicable, were executed by the borrowers/guarantors
and confirm that document addresses are consistent with subject property address and do not
match the primary residence address.

**Underwriting Conformity (<u>Business Purpose/DSCR</u>)**

For each loan, Incenter Diligence validated conformance to Client supplied and program requirements and noted any exceptions. Unless otherwise directed by the Client, no regulatory compliance review was performed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate Conformance
to Product Type and Eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Financing
Terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Loan Product

Page **3** of **17**

![](tm2517341d1_ex99-10img01.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Seasoning

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Geographic
Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. LTV/CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Transaction
Types: Verify Conformance with Business Purpose Loan Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business Purpose
Affidavit – verify signed Borrower Statement of Business Purpose is present in the
file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Non-Owner
Occupancy – verify Occupancy certification is present in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Validate that
there is no information in the loan that contradicts occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review Debt
Service Coverage Ratio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review Cash
Flow and Expense Factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review Hazard/Flood
Insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review preliminary
Title Report/Commitment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Credit Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Validate documentation
requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Verify acceptable
Residency Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review credit
reports used to qualify borrower, as well as consumer credit history/charge offs/collections,
and cite any exceptions or unusual findings

&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. Evaluate
credit scores and tradelines against 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;b. Evaluate
other debt obligations (alimony, child support, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. If required,
verify that a 3rd party fraud report (DataVerify, etc.) is contained in the loan file and
review findings to confirm all deficiencies were resolved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Evaluate borrower's
mortgage/rental payment history using credit reports or other information supplied in the
loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Verify that
all judgements/liens/tax liens have been satisfied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Verify that
any bankruptcy, foreclosure or forbearance activity is in accordance with guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Perform a
review of all asset information supplied in the loan file against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Evaluate borrowers'
asset utilization and verify sufficient liquid assets to supplement income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Perform a
rental income analysis using the information supplied in the loan file as per the guidelines

**Property Valuation Review (Standard Residential and Business Purpose/DSCR Loans)**

Incenter Diligence reviewed all loans to validate the original appraisal report was provided in the loan file and that it is substantially complete. The evaluation will include the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review the
original appraisal report to ensure the valuation was performed by a licensed appraiser and
in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify subject
property type meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Note any exceptions
to stated value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify value
used to calculate LTV/CLTV and note any deviations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify that
the loan and property data within the appraisal report matches the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the
appraisal report to ensure report value is "as is" or, if report is "subject
to", that there is an associated completion report resolving all noted issues, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review additional
valuation products in the file; if there is a variance greater than 10% below the appraisal
value, Client will be notified and an additional independent valuation product will be obtained
as requested.

**Regulatory Compliance Review (Standard Residential Loans Only, Unless Otherwise Requested)**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

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Incenter Diligence will perform a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (now the Structured Finance Association or "SFA") (the "SFIG Compliance Review Scope"), as amended from time to time, and the advice of outside counsel. As it relates to TILA-RESPA Integrated Disclosures ("TRID") testing, Incenter Diligence works with outside counsel on an ongoing basis to understand and interpret compliance regulations based on recent guidance by the Consumer Financial Protection Bureau (the "CFPB") that has created deviations in the TRID review scope and related exceptions/cures. The TRID-related review scope, outlined below and not performed for investment properties, will continue to be amended where appropriate as future guidance and rules are published. Incenter Diligence's conclusions are representative of best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations. Incenter Diligence maintains an active dialogue with outside counsel, Clients, Rating Agencies, SFA and other parties when interpreting compliance regulations and amending the review scope to accurately expose the risk associated with a loan. However, no guaranties can be made that the Review includes all areas of risk that may be present in the Transaction. In addition to the foregoing, Incenter Diligence utilizes nationally recognized integrated compliance analyzer tools.

Incenter Diligence does not employ personnel who are licensed to practice law in the various jurisdictions and the findings set forth in the reports prepared by Incenter Diligence do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Incenter Diligence. All final decisions as to whether to purchase or enter into a transaction related to any individual loan or the loans in the aggregate and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such loan or loans, shall be made solely by the clients that have engaged Incenter Diligence to prepare their reports pursuant to their instructions and guidelines. Client acknowledges and agrees that the scoring models applied by Incenter Diligence are designed to identify potential risk and the Client assumes sole responsibility for determining the suitability of the information for its particular use.

Incenter Diligence reviews each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
TILA

&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. Finance Charge
Test (12 CFR §1026.18(d)(1))

&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. It is understated by no more than $100; or

&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. It is greater
than the amount required to be disclosed

&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. Rescission
Finance Charge Test (12 CFR §1026.23(h)(2)(i))

&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. It is understated
by no more than $35; or

&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. It is greater
than the amount required to be disclosed

&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. Rescission
Total of Payments Test ((12 CFR §1026.23(h)(2)(ii))

&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. Is understated
by no more than $35; or

&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. Is greater
than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Foreclosure
Rescission Finance Charge and Total of Payments Tests (12 CFR §1026.23(h))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. APR Test 12
CFR (§1026.22(a)(2), (4))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosed
annual percentage rate (APR) is considered accurate because it is not more than 1/8 of 1
percentage (for regular transactions) or 1/4 of 1 percentage (for irregular transactions)
point above or below the APR as determined in accordance with the actuarial method; or

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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;ii. The disclosed
APR results from the disclosed finance charge, and the disclosed finance charge is considered
accurate under §1026.18(d)(1) (the finance charge test), or for purposes of rescission
the disclosed finance charge is considered accurate under §1026.23(g) or (h) (the rescission
finance charge test or the foreclosure rescission finance charge test), whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Right of Rescission
Test (12 CFR §1026.23(a)(3), §1026.15(a)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The funding
date is not before the third business day following 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;ii. The consumer
may exercise the right to rescind until midnight of the third business day following 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;iii. Validate
Right of Rescission Notice was provided, and the correct form was used

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Dual Broker
Compensation Test (12 CFR §1026.36(d)(2))

&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 any loan
originator receives compensation directly from a consumer in a consumer credit transaction
secured by a dwelling, no loan originator shall receive compensation, directly or indirectly,
from any other person other than the consumer in connection with the transaction for loan
origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Loan Originator
Credits Test (12 C.F.R. §1026.36(d)(1))

&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. Test that the
initial disclosure (GFE/TIL/LE) does not contain any broker fees paid by the broker

&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. Financing of
Single Premium Credit Insurance Test (12 CFR §1026.36 (i))

&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. A creditor
may not finance, directly or indirectly, any premiums or fees for credit insurance in connection
with a consumer credit transaction secured by a dwelling (including a home equity line of
credit secured by the consumer's principal dwelling)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. TIL Disclosure
(Pre-TRID)

&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. TIL Disclosure
Date Test (12 CFR §1026.17(b),1026.19(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is
a mortgage transaction subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601
et seq.) that is secured by the consumer's dwelling; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The initial
TIL disclosure date is not later than the third business day (counting days on which the
creditor's offices are open to the public for carrying on substantially all of its business
functions) after the creditor receives the consumer's written application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The initial
TIL disclosure date is not later than the seventh business day (counting all calendar days
except Sunday and specified legal public holidays) before consummation of the transaction,
or the application date of the loan is before July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The loan is
a "residential mortgage transaction" subject to the Real Estate Settlement Procedures
Act (12 U.S.C. §2601 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The initial
TIL disclosure date is before consummation or three business days after the creditor receives
the consumer's written application, whichever is earlier; 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;vi. Test the final
TIL disclosure and any re-disclosed TIL(s); 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;vii. The final
TIL disclosure is properly executed; 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;viii. The final
TIL disclosure and any re-disclosed TIL(s) is properly completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA RESPA
Integrated Disclosures (TRID)

&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. Initial Loan
Estimate Delivery Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor
shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i)
(provision of loan estimate form) not later than the third business day after the creditor
receives the consumer's application

&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. Initial Loan
Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor
shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i)
(provision of loan estimate form) not later than the seventh business day before consummation
of the transaction

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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;c. Loan Estimate
(12 CFR §1026.19 and 37)

&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 applicable
sections of the disclosure determined to carry assignee liability were 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;ii. Verify final
Loan Estimate was provided to borrower prior to the Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Written List
of Service Providers (SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&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 the consumer
is permitted to shop for a settlement service, the creditor shall provide the consumer with
a written list identifying available providers of that settlement service and stating that
the consumer may choose a different provider for that service. The creditor must identify
at least one available provider for each settlement service for which the consumer is permitted
to shop. The creditor shall provide this written list of settlement service providers separately
from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the
timing requirements in §1026.19(e)(1)(e)(1)(iii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Revised Loan
Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor
shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i)
on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i).
The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i)
not later than four business days prior to consummation. If the revised version of the disclosures
required under §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer
is considered to have received such version three business days after the creditor delivers
or places such version in the mail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Valid Change
of Circumstances Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The changed
circumstance(s) form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Changed circumstance
affecting settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Changed circumstance
affecting eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Revisions
requested by the consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration
of initial loan estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed settlement
date on a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The date the
rate was set was not provided and interest rate dependent charges change once the interest
rate is locked; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The reason
for re-disclosure is "Decrease in charges affecting settlement or eligibility, a consumer-requested
revision, or other non-tolerance-related re-disclosure;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The initial
loan estimate was not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Initial Closing
Disclosure Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor
shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i)
no later than three business days before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Closing Disclosure
Test (12 CFR §1026.19 and 38)

&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 applicable
sections of the disclosure determined to carry assignee liability were 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;i. Revised Closing
Disclosure Delivery Date Test (waiting period vs. no waiting period required) (12 CFR §1026.19(f)(2)(i)
& (ii))

&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 the disclosures
provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor
shall provide corrected disclosures reflecting any changed terms to the consumer so that
the consumer receives the corrected disclosures at or before consummation

&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. If the consumer
determines that the extension of credit is needed to meet a bona fide personal financial
emergency, the consumer may modify or waive the three-business-day waiting period for the
revised closing disclosure after receiving the 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;j. TRID Tolerance
Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&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. An estimated
closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by
or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i)

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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;k. TRID Tolerance
Testing - Charges That in Total Cannot Increase More Than 10% Test (12 CFR §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The aggregate
amount of charges for third-party services and recording fees paid by or imposed on the consumer
does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i)
by more than 10 percent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID Tolerance
Testing - Lender Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

&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. An estimated
closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by
or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID Reimbursement
Amount Test (12 CFR §1026.19(f)(2)(v))

&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. Refunds related
to the good faith analysis. If amounts paid by the consumer exceed the amounts specified
under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if
the creditor refunds the excess to the consumer no later than 60 days after 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;n. TRID Reimbursement
Date Test (12 CFR §1026.19(f)(2)(v))

&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. Refunds related
to the good faith analysis. If amounts paid by the consumer exceed the amounts specified
under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if
the creditor refunds the excess to the consumer no later than 60 days after 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;o. Disclosure
of Escrow Account (§1026.38(l)(7))

&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 the loan
indicates an escrow account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all
amounts disclosed in the Projected Payments Table are accurate (§1026.38(c); §1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all
amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate (§1026.37(c)(4),(5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all
amounts disclosed in Section G – Initial Escrow Payment and Closing are accurate (§1026.37(g)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify all
amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&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. If the loan
indicates an escrow account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all
amounts disclosed in the Projected Payments Table are accurate (§1026.38(c); (§1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all
amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate (§1026.37(c)(4),
(5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all
amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure
of Seller Paid Closing Costs (§1026.38(t)(5)(v)(B))

&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. In transactions
involving a seller, validate whether the lender disclosed all costs being paid by the seller
on the borrowers Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If seller
paid fees are present on the borrower's Closing Disclosure, review the seller's
Closing Disclosure or alternative documentation for accuracy of disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;q. Post-consummation
Event and Revised Closing Disclosure Delivery Date Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The post-consummation
revised closing disclosure delivery date is not more than 60 calendar days after the consummation
date, or closing / settlement date if no consummation date was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The provided
reimbursement date is not more than 60 calendar days after the consummation date, or closing
/ settlement date if no consummation date was provided

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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;r. Non-numeric
Clerical Error and Post-consummation Revised Closing Disclosure Delivery Date Test (12 CFR
§1026.19(f)(2)(iv))

&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. A creditor
does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i)
contain non-numeric clerical errors, provided the creditor delivers or places in the mail
corrected disclosures no later than 60 days after 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;s. Loan Calculation
Test on the Closing Disclosure (12 CFR §1026.38))

&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. 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;ii. 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;iii. 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;iv. Total Interest
Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified
Mortgage / Ability To Repay – Dodd Frank

&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. Classification
of QM designated 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;i. Validate 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

&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. Determination
of conformity thresholds (Safe Harbor or Rebuttable Presumption)

&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. Negative Amortization
Loan (12 CFR 1026.43(e)(2)(i)(A))

&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. A qualified
mortgage is a covered transaction that provides for regular periodic payments that are substantially
equal, except for the effect that any interest rate change after consummation has on the
payment in the case of an adjustable-rate or step-rate mortgage, that does not result in
an increase of the principal balance

&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. Interest Only
Loan (12 CFR 1026.43(e)(2)(i)(B))

&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. A qualified
mortgage is a covered transaction that provides for regular periodic payments that are substantially
equal, except for the effect that any interest rate change after consummation has on the
payment in the case of an adjustable-rate or step-rate mortgage, that does not allow the
consumer to defer repayment of principal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon Payment
Loan (12 CFR 1026.43(e)(2)(i)(C))

&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. A qualified
mortgage is a covered transaction that provides for regular periodic payments that are substantially
equal, except for the effect that any interest rate change after consummation has on the
payment in the case of an adjustable-rate or step-rate mortgage, that does not result in
a balloon 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;e. Loan Term (12
CFR 1026.43(e)(2)(iii))

&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. A qualified
mortgage is a covered transaction for which the loan term does not exceed 30 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points and
Fees (12 CFR §1026.43(e)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and
fees do not exceed the qualified mortgage points and fees threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI (12 CFR
§1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ratio of
the consumer's total monthly debt to total monthly income at the time of consummation does
not exceed 43 percent, calculated in accordance with Appendix Q

&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. For
Fannie Mae and Freddie Mac, however, the revised QM rules become mandatory on July 1, 2021,
meaning that the QM Patch effectively terminates on July 1, 2021—and that all loans
sold to Fannie and Freddie must comply with the revised QM rules, effective July 1, 2021.

&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. (iv)
For creditors not selling loans to Fannie Mae and/or Freddie Mac, loans underwritten from
March 1, 2021 until October 1, 2022 will continue to apply the legacy QM rules; however,
commencing July 1, 2021, legacy QM loans must be underwritten to Appendix Q and NOT to the
QM Patch.

Stated another way, since the FHFA terminated the QM Patch, loans underwritten to the QM Patch after July 1 are no longer eligible for sale to the GSEs, and in effect, the QM Patch disappeared after that date, notwithstanding the CFPB's intent for it to continue until October 1, 2022. Hence, for non-agency loans, underwritten between July 1, 2021 and October 1, 2022, legacy QM loans must be underwritten in accordance with Appendix Q.

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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;iv. Client is
required to advise regarding which application of QM/DTI or QM/APR rule for loans with application
dates between 03/01/2021 and 10/01/2022 for the proper evaluation of QM.

&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. Loans underwritten
after 10/1/2022 will be reviewed following the revised QM (QM 2.0) 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;h. APR (12 CFR
§1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan APR
is not to exceed the APOR plus percentage threshold, calculated according to 12 CFR §1026.43(e)(2)(vi).
With a QM/APR optional test period for loans with application dates between 03/01/2021 and
10/01/2022 and mandatory compliance and testing for loans after 10/01/2022.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. The
APR on the loan does not exceed the threshold for the 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For
a first-lien loan with a loan amount greater than or equal to $110,260 (indexed for inflation),
2.25 or more percentage 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
a first-lien loan with a loan amount greater than or equal to $66,156 (indexed for inflation),
but less than $110,260 (indexed for inflation), 3.5 or more percentage 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
a first lien loan with a loan amount less than $66,156 (indexed for inflation), 6.5 or more
percentage 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For
a subordinate-lien loan with a loan amount great than or equal to $66,156 (indexed for inflation),
3.5 or more percentage points; 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
a subordinate-lien loan with a loan amount less than $66,156 (indexed for inflation), 6.5
or more percentage 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;ii. Revised QM
(QM 2.0)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. QM/DTI test
will cease as of application dates on or after 10/01/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. In addition
to the Generally Applicable Factors above, all Revised QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Monthly
Payment. The amount of the monthly payment on the loan is calculated using the maximum rate
that may apply during the first five years and considers the monthly payment for simultaneous
loans and mortgage 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;&nbsp;&nbsp;&nbsp;&nbsp;d. Consider
and Verify. The creditor considers and verifies the consumer's current or expected
income and assets and debt and his DTI 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;&nbsp;&nbsp;&nbsp;&nbsp;e. As
part of the "consider" requirement, Incenter Diligence will review the (i) creditor's
policies and procedures provided by Client, as well as any exceptions thereto, for how the
creditor takes into account the underwriting factors enumerated above, and (ii) the documentation
retained by creditor, such as an underwriting worksheet or a final automated underwriting
system certification, showing how the creditor took these factors into account in its ability-to-repay
determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Consider
and Verify Safe Harbor (VSH). Creditor is deemed to have complied with this "verify"
requirement if it complies with the verification standards in one or more of these following
agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Chapters
B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020 including
all subsequent updates; Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer
Guide, published June 10, 2020 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Sections
II.A.1 and II.A.4-5 of the Federal Housing Administration's Single-Family Housing Policy
Handbook, issued October 24, 2019 including all subsequent updates;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapter
4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22,
2019 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Chapter
4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single
Family Housing Program, revised March 15, 2019 including all subsequent updates; 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Chapters
9 through 11 of the U.S. Department of Agriculture's Handbook for the Single-Family
Guaranteed Loan Program, revised March 19, 2020 including all subsequent updates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. For
purposes of compliance with VSH, a creditor must comply with only those provisions in the
manuals that require creditors to verify income, assets, debt obligations, alimony and child
support using specified documents or to classify and count particular inflows, property,
and obligations as income, assets, debt obligations, alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Revised
versions of manuals. A creditor also complies with the verification safe harbor where it
complies with revised versions of the manuals listed above provided that the two versions
are "substantially similar".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. The
QM 2.0 Rule permits the creditor to "mix and match" verification standards from
different agency manuals. Incenter Diligence will test the creditor's "verification"
of third- party records in instances when the creditor either uses (i) its own procedures
or alternatively, (ii) the verification standards of one or more of the agency handbooks
listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Note:
the Client must provide written policies and procedures and related documentation such as
underwriter worksheets in order for Incenter Diligence to review loans under the QM 2.0 Rules,
and in particular, with regard to the "consider" and "verify" requirements.
Further, if the Client intends to use the VSH, its written policies and procedures must specify
the precise agency handbook(s) that it is relying on with specific references to the particular
provisions addressing income, assets, debt obligations, alimony and child support using specified
documents or to classify and count particular inflows, property, and obligations as income,
assets, debt obligations, alimony, and child support—as well as the specific date(s)
of the agency handbook(s) issuance, publication or revision. In addition, Incenter Diligence
is not responsible for determining whether revised versions of the manuals listed above are
"substantially similar" for purposes of the VSH; such a determination of the
sole responsibility of the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Note:
due to the inherent subjectivity of the foregoing "consider" and "verify"
requirements, Incenter Diligence will review the Client's: (i) policies and procedures
and worksheets and (ii) methods and criteria for verification of income and assets (regardless
of whether the "safe harbor" is utilized) for content only, and will not opine
whether such policies and procedures, worksheets and verification methods and criteria themselves
comply with applicable law, and cannot guarantee that a court, governmental regulator, rating
agency or another third party diligence provider would reach the same conclusions using such
work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
Penalty (12 CFR 1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. A covered
transaction must not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The prepayment
penalty is otherwise permitted by law; and 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Has an
annual percentage rate that cannot increase after 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Is a qualified
mortgage under paragraph (e)(2), (e)(4), or (f) of this section; 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Is not
a Higher Priced Mortgage Loan, as defined in § 1026.35(a)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home Ownership
and Equity Protection Act – HOEPA (Sections 32)

&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. Federal HOEPA
coverage (12 CFR §1026.32(a)(1)(i), (ii))

&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. Tests that
the loan is/is not secured by the consumer's principal dwelling; or

&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. Tests that
the loan is/ is not an open-end credit plan; or

&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. That the
application date of the loan occurs before/after the effective date of October 1, 1995; or

&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. That the date
the creditor received application occurs on or after January 10, 2014, the effective date
of the High-Cost Mortgage amendments

&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. High-Cost Mortgage
APR threshold test (12 CFR §1026.32(a)(1)(i)(A), (C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is
secured by a first-lien transaction, and the annual percentage rate (APR) does not exceed
the Average Prime Offer Rate by more than 6.5%; or

&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 loan is
a subordinate-lien transaction, and the annual percentage rate (APR), does not exceed the
Average Prime Offer Rate by more than 8.5%

&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. High-Cost Mortgage
Points and Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The total points
and fees do not exceed allowable limits per the given 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;d. High-Cost Mortgage
Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan contract
or open-end credit agreement does not allow the creditor to 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A prepayment
penalty more than 36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Prepayment
penalties that can exceed, in total, more than 2 percent of the amount prepaid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost Mortgage
(12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. High-Cost Mortgage
Repayment Ability Test (12 CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other high-costs
tests pursuant to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing of 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;ii. Balloon 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;iii. Negative
amortization

&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. Prepayment
penalty

&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. Pre-loan counseling

&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. Late charges

&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. Grace period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Financing
of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher
Priced Mortgage Loan – HMPL (12 CFR §1026.35)

&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. Higher Priced
Mortgage Loan tests (12 CFR §1026.35(a))

&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. Higher Priced
Mortgage Loan required escrow account test (12 CFR §1026.35(b))

&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. Higher Priced
Mortgage Loan required appraisal test (12 CFR §1026.35(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited
Acts – Brokers Comp

&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. Broker Compensation
Test (12 CFR §1026.36(d)(2)

&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 any loan
originator receives compensation directly from a consumer in a consumer credit transaction
secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. No loan originator
shall receive compensation, directly or indirectly, from any person other than the consumer
in connection with the transaction; 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No person
who knows or has reason to know of the consumer-paid compensation to the loan originator
(other than the consumer) shall pay any compensation to a loan originator, directly or indirectly,
in connection with the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide
Mortgage Licensing System (NMLS) Tests (12 CFR §1026.36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. review for
presence of mortgage loan originator organization and individual mortgage loan originator
name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
security instrument, Loan Estimate and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. verify the
data against the NMLSR database, as available

Page **12** of **17**

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
RESPA

&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. Homeownership
Counseling Organizations Disclosure Date Test (12 CFR §1024.20(a))

&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. Not later than
three business days after a lender, mortgage broker, or dealer receives an application, or
information sufficient to complete an application, the lender must provide the loan applicant
with a clear and conspicuous written list of homeownership counseling organizations that
provide relevant counseling services in the loan applicant's location

&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 list of
homeownership counseling organizations distributed to each loan applicant under this section
shall be obtained no earlier than 30 days prior to the time when the list is provided to
the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Good Faith
Estimate Disclosure Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Not later than
3 business days after a loan originator (broker or lender) receives an application for a
federally related mortgage loan, or information sufficient to complete an application, the
loan originator must provide the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Good Faith
Estimate Disallowed Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Looks for any
amounts entered for both a loan discount fee and a yield spread premium or a lender credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Only one charge
or one credit affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA Valuation
Rule (12 CFR §1002.14(a)(1))

&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. Review all
applicable loans for the Disclosure of Right to Receive a Copy of Appraisals. Validate if
the customer(s) waived their right to receive copies of their appraisals three business days
prior to consummation/account opening

&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. Review all
applicable loans for proof that lender delivered copies of appraisals and other written valuations
three business days before consummation (closed-end), or account opening (open-end)

&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 the customer(s)
waived their right to receive copies of their appraisals three business days prior to consummation/account
opening, review the Post-Closing submission for an Acknowledgment of Receipt of Appraisal
Report, or other proof that the lender provided the copies either at, or prior to, consummation
or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** **State Specific tests (varies by state and applicability, but at a minimum includes);** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Consumer
/ Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. High-cost
tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Higher
Priced Mortgage Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. APR threshold
tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Points
and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Covered
loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Negative
Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Prepayment
tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Texas Home
Equity Loans

Page **13** of **17**

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**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial
Application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final
Application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
Approval (1008)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· HUD1
from Sale of Previous Residence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
Estimates and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales
Contract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage/Deed
of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Guaranty
Agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy
Affidavit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Lease
Agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Business
Purpose Affidavit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Junior
Lien Information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subordination
Agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Income
Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Employment
Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset
Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit
Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 4506T/Tax
Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Change
of Circumstance Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Disclosures:
Right of Rescission, Net Tangible Benefit and FACTA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal
Valuation Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title/Preliminary
Title

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Flood
and Hazard Insurance Policies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Flood
Certificates

**Other review and methodology**

Not applicable.

Page **14** of **17**

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**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

Page **15** of **17**

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**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property.

\* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception <br> Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp; **Credit <br> Grade A** | &nbsp;&nbsp; **Credit <br> Grade B** | &nbsp;&nbsp; **Credit <br> Grade C** | &nbsp;&nbsp; **Credit <br> Grade D \*** |
| &nbsp;&nbsp;Assets | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Debt | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income/Employment | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Title | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception<br> Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Compliance <br> Grade A** | &nbsp;&nbsp;**Compliance <br> Grade B** | &nbsp;&nbsp;**Compliance <br> Grade C** | &nbsp;&nbsp;**Compliance <br> Grade D \*** |
| &nbsp;&nbsp;Ability to Repay | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Disclosure | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Reg | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

Page **16** of **17**

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception <br> Categories** | **Exception Count** | &nbsp;&nbsp; **Property** <br> **Grade A** | &nbsp;&nbsp;**Property<br> Grade B** | &nbsp;&nbsp; **Property** <br> **Grade C** | &nbsp;&nbsp; **Property** <br> **Grade D \*** |
| &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Property Issue | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp;**% of Accuracy** |
| &nbsp;&nbsp;ARM Interest Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subordinate Lien Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**97.30%** |

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Page **17** of **17**

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](tm2517341d1_ex99-10img001.jpg) | Report Date: | 5/22/2025 |
| Client Name: | Santander Bank | Report: | Review Summary |
| Deal Name: | SAN 2025-NQM3 | Loans in report: | 2 |

---

---

| | | |
|:---|:---|:---|
| **Final Overall Grade Summary** | **Final Overall Grade Summary** | **Final Overall Grade Summary** |
| **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| **Total** | **2** | **100.00%** |
| **Credit Grade Summary** | **Credit Grade Summary** | **Credit Grade Summary** |
| **Credit** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| **Total** | **2** | **100.00%** |
| **Compliance Grade Summary** | **Compliance Grade Summary** | **Compliance Grade Summary** |
| **Compliance** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| **Total** | **2** | **100.00%** |
| **Property Grade Summary** |  |  |
| **Property** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| **Total** | **2** | **100.00%** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. |  |
| **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. | **Exception Summary**<br> Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property. |  |
| \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. | \* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review. |
| **Credit Exception Categories** | **Exception Count** | **Credit Grade A** | **Credit Grade B** | **Credit Grade C** | **Credit Grade D \*** |
| Assets | 0 | 0 | 0 | 0 | 0 |
| Borrower | 0 | 0 | 0 | 0 | 0 |
| Closing | 0 | 0 | 0 | 0 | 0 |
| Data | 0 | 0 | 0 | 0 | 0 |
| Debt | 1 | 1 | 0 | 0 | 0 |
| Eligibility | 1 | 1 | 0 | 0 | 0 |
| Income/Employment | 1 | 1 | 0 | 0 | 0 |
| Insurance | 0 | 0 | 0 | 0 | 0 |
| Missing Doc | 1 | 1 | 0 | 0 | 0 |
| QM-ATR | 0 | 0 | 0 | 0 | 0 |
| Title | 0 | 0 | 0 | 0 | 0 |
| **Total** | **4** | **4** | **0** | **0** | **0** |
| **Compliance Exception Categories** | **Exception Count** | **Compliance Grade A** | **Compliance Grade B** | **Compliance Grade C** | **Compliance Grade D \*** |
| Ability to Repay | 0 | 0 | 0 | 0 | 0 |
| Closing | 0 | 0 | 0 | 0 | 0 |
| Compliance | 1 | 1 | 0 | 0 | 0 |
| Data | 0 | 0 | 0 | 0 | 0 |
| Disclosure | 0 | 0 | 0 | 0 | 0 |
| Documentation | 0 | 0 | 0 | 0 | 0 |
| Fees | 0 | 0 | 0 | 0 | 0 |
| Missing Doc | 0 | 0 | 0 | 0 | 0 |
| Points & Fees | 0 | 0 | 0 | 0 | 0 |
| QM-ATR | 0 | 0 | 0 | 0 | 0 |
| Right to Rescind | 0 | 0 | 0 | 0 | 0 |
| State Reg | 0 | 0 | 0 | 0 | 0 |
| TRID | 0 | 0 | 0 | 0 | 0 |
| **Total** | **1** | **1** | **0** | **0** | **0** |
| **Property Exception Categories** | **Exception Count** | **Property Grade A** | **Property Grade B** | **Property Grade C** | **Property Grade D \*** |
| Appraisal | 0 | 0 | 0 | 0 | 0 |
| Data | 0 | 0 | 0 | 0 | 0 |
| Missing Doc | 0 | 0 | 0 | 0 | 0 |
| Property Issue | 0 | 0 | 0 | 0 | 0 |
| Value | 0 | 0 | 0 | 0 | 0 |
| **Total** | **0** | **0** | **0** | **0** | **0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results reflecting the number of discrepancies identified:

---

| | | |
|:---|:---|:---|
| **Data Compare Field Name** | **# of Discrepancies** | **% Accuracy** |
| ARM Interest Data | 0 | 100.00% |
| Amortization Term | 0 | 100.00% |
| Borrower 1 First Name | 0 | 100.00% |
| Borrower 1 Last Name | 0 | 100.00% |
| Borrower 2 First Name | 0 | 100.00% |
| Borrower 2 Last Name | 0 | 100.00% |
| Borrower 1 FTHB | 0 | 100.00% |
| Borrower 2 FTHB | 0 | 100.00% |
| Doc Type | 0 | 100.00% |
| First Payment Date | 0 | 100.00% |
| Interest Only Flag | 0 | 100.00% |
| Lien Position | 0 | 100.00% |
| Loan Program | 0 | 100.00% |
| Loan Purpose | 0 | 100.00% |
| Loan Type | 0 | 100.00% |
| Maturity Date | 0 | 100.00% |
| Note Date | 0 | 100.00% |
| Number of Units | 0 | 100.00% |
| Occupancy | 0 | 100.00% |
| Original Interest Rate | 0 | 100.00% |
| Original Loan Amount | 0 | 100.00% |
| Original Loan Term | 0 | 100.00% |
| Original P&I | 0 | 100.00% |
| Originator DSCR | 0 | 100.00% |
| Prepayment Penalty | 0 | 100.00% |
| Property Address | 0 | 100.00% |
| Property City | 0 | 100.00% |
| Property State | 0 | 100.00% |
| Property Zip Code | 0 | 100.00% |
| Property Type | 0 | 100.00% |
| QM Designation | 2 | 0.00% |
| Qualifying Appraised Value | 0 | 100.00% |
| Qualifying CLTV | 0 | 100.00% |
| Qualifying FICO | 0 | 100.00% |
| Qualifying LTV | 0 | 100.00% |
| Qualifying Total DTI | 0 | 100.00% |
| Refinance Type | 0 | 100.00% |
| Sales Price | 0 | 100.00% |
| Subordinate Lien Amount | 0 | 100.00% |
| Underwriting Guideline Name | 1 | 50.00% |
| **Total** | **3** | **97.30%** |

---

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](tm2517341d1_ex99-10img001.jpg) | Report Date: | 5/22/2025 |
| Client Name: | Santander Bank | Report: | Exception Report |
| Deal Name: | SAN 2025-NQM3 | Loans in report: | 2 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| XXX | XXX | 19450211 | D A C | Closed | FCRE1440 | 2024-07-25 10:48 | 2024-08-06 16:36 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Lender LOX received-condition cleared. - Due Diligence Vendor-08/06/2024 <br> Ready for Review-Document Uploaded. - Seller-08/06/2024 <br> Counter-Lender LOX received, however insufficient to clear condition. Missing supporting documentation to support the borrower has been making the mortgage payments for XXX accounts. - Due Diligence Vendor-07/31/2024 <br> Ready for Review-Document Uploaded. Please see attached the email that explains the borrower's relationship to XXX who's name is on the mortgage statements - Seller-07/30/2024 <br> Open-Housing History Does Not Meet Guideline Requirements Missing documentation to support borrower maintained mortgage payments with XXX accounts. Documentation provided does not reflect the borrowers name and appears borrower is not a party to the obligation. Unable to determine if housing history has been met. - Due Diligence Vendor-07/25/2024 | Ready for Review-Document Uploaded. - Seller-08/06/2024 <br> Ready for Review-Document Uploaded. Please see attached the email that explains the borrower's relationship to XXX who's name is on the mortgage statements - Seller-07/30/2024 | Resolved-Lender LOX received-condition cleared. - Due Diligence Vendor-08/06/2024<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months |  | XXX Email Confirmation - Relation to XXX.pdf<br> XXX LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | XXX | 19450211 | D A C | Closed | FCRE6763 | 2024-07-25 11:03 | 2024-07-31 16:18 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Guideline clarification received - cleared. - Due Diligence Vendor-07/31/2024 <br> Ready for Review-Document Uploaded. P&L guidelines<br> 5.4 Profit and Loss Only (P&L)<br> 5.4.1 Product Eligibility<br> Permitted for self-employed borrowers with a minimum 25% ownership of the business (Product 130 only-must document 50% ownership of the business). The Profit and Loss (P&L) must be prepared by a Third Party Certified Public Account (CPA), an IRS Enrolled Agent (EA), or a CTEC registered tax preparer. The borrower must be self-employed for at least two years to qualify for this program documented via a Business License (where required by regulation), Letter from the Tax Professional (as defined above) that prepared the P&L, and Secretary of State Filing or the equivalent. The CPA/ EA/ CTEC preparing the P&L must have filed the Borrower's most recent personal/business tax returns. Borrowers who prepare their own tax returns are not eligible.<br> 5.4.2 Documentation and Qualification<br> • A 12 month P&L Statement representing total business sales and expenses for the time period covered by the P&L Statement.<br> • A gap P&L covering the period between the end of 12 month P&L and application date is required<br> when the gap is greater than three months.<br> • Qualifying Income:<br> o Net income from the P&L divided by 12 months, multiplied by the borrower's ownership<br> percentage.<br> o Expenses on the P&L must be reasonable for the industry of the business.<br> o The minimum expense factor is 20% for service related business and 40% for product based<br> business.<br> ▪ A service related business includes, but is not limited to the following: Accounting,<br> Consulting, Counseling, Financial Planning, Insurance, Therapists, Individual<br> Cosmetologists, etc<br> ▪ A product based business selling goods includes, but is not limited to the following:<br> Contracting or Construction, Food Services, Manufacturing, Restaurants, Retail Goods,<br> etc.<br> o If the monthly income as disclosed on the initial signed 1003 is less than the above it must be<br> used for qualifying.<br> • Profit and Loss must be signed by both the borrower and tax preparer.<br> • Preparer to provide a signed document on their business letterhead reflecting their address, phone number, and license number with the following information:<br> o Confirmation of the review or completion of the most recent two years tax returns for the<br> borrower.<br> o Reflect the borrower's name, business name, and percentage of business ownership by the<br> borrower.<br> o XXX will document that the CPA/ EA/ CTEC as current and active via a screenshot<br> from the applicable state licensing authority, certification from the IRS (screenshot of IRS<br> website), certification from XXX (screenshot of XXX website). - Seller-07/30/2024 <br> Open-Missing Cosmetology license documentation to support borrower is self employed as a XXX for required XXX year period. Documentation provided was a CPA letter only and does not meet guideline requirement. - Due Diligence Vendor-07/25/2024 | Ready for Review-Document Uploaded. P&L guidelines<br> 5.4 Profit and Loss Only (P&L)<br> 5.4.1 Product Eligibility<br> Permitted for self-employed borrowers with a minimum 25% ownership of the business (Product 130 only-<br> must document 50% ownership of the business). The Profit and Loss (P&L) must be prepared by a Third Party<br> Certified Public Account (CPA), an IRS Enrolled Agent (EA), or a CTEC registered tax preparer.<br> The borrower must be self-employed for at least two years to qualify for this program documented via a<br> Business License (where required by regulation), Letter from the Tax Professional (as defined above) that<br> prepared the P&L, and Secretary of State Filing or the equivalent.<br> The CPA/ EA/ CTEC preparing the P&L must have filed the Borrower's most recent personal/business tax<br> returns. Borrowers who prepare their own tax returns are not eligible.<br> 5.4.2 Documentation and Qualification<br> • A 12 month P&L Statement representing total business sales and expenses for the time period covered<br> by the P&L Statement.<br> • A gap P&L covering the period between the end of 12 month P&L and application date is required<br> when the gap is greater than three months.<br> • Qualifying Income:<br> o Net income from the P&L divided by 12 months, multiplied by the borrower's ownership<br> percentage.<br> o Expenses on the P&L must be reasonable for the industry of the business.<br> o The minimum expense factor is 20% for service related business and 40% for product based<br> business.<br> ▪ A service related business includes, but is not limited to the following: Accounting,<br> Consulting, Counseling, Financial Planning, Insurance, Therapists, Individual<br> Cosmetologists, etc<br> ▪ A product based business selling goods includes, but is not limited to the following:<br> Contracting or Construction, Food Services, Manufacturing, Restaurants, Retail Goods,<br> etc.<br> o If the monthly income as disclosed on the initial signed 1003 is less than the above it must be<br> used for qualifying.<br> • Profit and Loss must be signed by both the borrower and tax preparer.<br> • Preparer to provide a signed document on their business letterhead reflecting their address, phone<br> number, and license number with the following information:<br> o Confirmation of the review or completion of the most recent two years tax returns for the<br> borrower.<br> o Reflect the borrower's name, business name, and percentage of business ownership by the<br> borrower.<br> o XXX will document that the CPA/ EA/ CTEC as current and active via a screenshot<br> from the applicable state licensing authority, certification from the IRS (screenshot of IRS<br> website), certification from XXX (screenshot of XXX website). - Seller-07/30/2024 | Resolved-Guideline clarification received - cleared. - Due Diligence Vendor-07/31/2024<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months |  | XXX proof of self employment.pdf<br> XXX P&L.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | XXX | 19450211 | D A C | Closed | FCRE3978 | 2024-07-25 10:59 | 2024-07-31 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received Borrower LOX for property addresses. - Due Diligence Vendor-07/31/2024 <br> Ready for Review-Document Uploaded. XXX SHOWS TIME FRAME FROM XXX TO XXX<br> XXX SHOWS TIME FRAME FROM XXX TO XXX <br> SEE ATTACHED LETTER OF EXPLANATION PAGE 2 - Seller-07/30/2024 <br> Open-Missing documentation to support borrowers has resided in primary residence as listed on the URLA/1003. Credit report provided reflects current addresses as of XXX of 1) XXX & 2) XXX. - Due Diligence Vendor-07/25/2024 | Ready for Review-Document Uploaded. XXX SHOWS TIME FRAME FROM XXX TO XXX<br> XXX SHOWS TIME FRAME FROM XXX TO XXX <br> SEE ATTACHED LETTER OF EXPLANATION PAGE 2 - Seller-07/30/2024 | Resolved-Received Borrower LOX for property addresses. - Due Diligence Vendor-07/31/2024<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months |  | XXX LOE for Address Variations.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | XXX | 19450211 | D A C | Closed | FCRE4963 | 2024-07-23 11:18 | 2024-07-31 10:13 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received applicable payoff statements. - Due Diligence Vendor-07/31/2024 <br> Ready for Review-Document Uploaded. - Seller-07/30/2024 <br> Open-Final PCCD reflect XXX XXX, XXX XXX & XXX XXX to be paid off, missing the payoffs statements for each of these accounts. - Due Diligence Vendor-07/23/2024 | Ready for Review-Document Uploaded. - Seller-07/30/2024<br>| Resolved-Received applicable payoff statements. - Due Diligence Vendor-07/31/2024<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months |  | XXX Payoff Statements.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | XXX | 19450211 | D A C | Closed | 1000609-1001960 | 2024-07-22 16:04 | 2024-07-31 09:03 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved- - Due Diligence Vendor-07/31/2024 <br> Ready for Review-Document Uploaded. - Seller-07/30/2024 <br> Open-The Initial Closing Disclosure Received Date of (XXX) is not three business days before the consummation date of (XXX). Three business days before the consummation date is (XXX). 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)) - Due Diligence Vendor-07/22/2024 | Ready for Review-Document Uploaded. - Seller-07/30/2024<br>| Resolved- - Due Diligence Vendor-07/31/2024<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 6 months |  | XXX Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |

---

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](tm2517341d1_ex99-10img001.jpg) | Report Date: | 5/22/2025 |
| Client Name: | Santander Bank | Report: | Rating Agency Grades |
| Deal Name: | SAN 2025-NQM3 | Loans in report: | 2 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXX | XXX | 19450211 |  | XXX D C A |
| XXX | XXX | 19450212 |  | XXX A |

---

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](tm2517341d1_ex99-10img001.jpg) | Report Date: | 5/22/2025 |
| Client Name: | Santander Bank | Report: | Final Tape Compare |
| Deal Name: | SAN 2025-NQM3 | Loans in report: | 2 |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **System Source** | **Reviewer Data** | **Tape Data** |
| XXX | XXX | 19450211 |  | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | XXX | 19450211 |  | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | XXX | 19450212 |  | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |

---

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](tm2517341d1_ex99-10img001.jpg) | Report Date: | 5/22/2025 |
| Client Name: | Santander Bank | Report: | Supplemental Data |
| Deal Name: | SAN 2025-NQM3 | Loans in report: | 2 |

---

---

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| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| XXX | XXX | 19450211 |  | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 07/05/2024 | 6.860% | Manual Underwriting |  | No | 9.300% |  | 8.875% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX |  | $0.00 |  |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | CPA Verified | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 16 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2023 | Borrower - 2024, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX China |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | XXX | 19450212 |  | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A |  | 05/30/2024 | 6.950% | Manual Underwriting |  | No | 8.798% |  | 8.375% |  | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX |  | $0.00 |  |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 29 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | XXX |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen |  |  |  |  | XXX | United States | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](tm2517341d1_ex99-10img001.jpg) | Report Date: | 5/22/2025 |
| Client Name: | Santander Bank | Report: | QM ATR |
| Deal Name: | SAN 2025-NQM3 | Loans in report: | 2 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXX | XXX | 19450211 |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | Yes | Employed |  | No |  | No |  |
| XXX | XXX | 19450212 |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No |  | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](tm2517341d1_ex99-10img001.jpg) | Report Date: | 5/22/2025 |
| Client Name: | Santander Bank | Report: | Valuation Summary |
| Deal Name: | SAN 2025-NQM3 | Loans in report: | 2 |

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| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXX | XXX | 19450211 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |
| XXX | XXX | 19450212 |  | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | 0 | .0000 | XXX | LOW RISK | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |

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